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Frequently Asked Questions About Business Banking

Get answers to your small business banking questions

Interested in opening a business banking account with Citizens Bank and want more information? Let us answer any business banking questions you have before choosing an account. Our small business help center includes answers to our customers’ most frequently asked questions about opening a business banking account, using Online Banking services, ensuring secure transactions and other important considerations. Get answers to these and other small business banking questions so you can choose the account that best suits your needs.

Business banking account questions

How do I open a business banking account?
How do I determine the business banking account that best suits my business needs?
How do I access my business banking accounts?
How do I transfer funds?

Online Banking & Bill Pay questions

How can I sign up?
When can I start using Online Banking?
What kind of transactions can I perform using Online Banking?
What are automatic payments?
Who can I add as an online payee?
How long does it take to set up a new payee in the bill payment system?
How safe is Online Banking? What systems are in place to ensure security?

Small business support questions

What kinds of business banking support does Citizens Bank offer?
What are the branch hours?
How do I update my information in your system?

Account information answers

How do I open a business banking account?
Citizens Bank offers several ways for you to begin the process of applying for a business banking account. Complete the pre-application form and someone will contact you. You can also open an account by calling the Citizens Bank Phone Bank at 1-800-4BUSINESS, or visit any Citizens Bank branch.

How do I determine which business banking account best suits my business needs?
Citizens Bank is dedicated to helping you find the right accounts for your businesses needs.
Online: Utilize our Checking and Savings comparison pages. This can help you identify which accounts are best suited to your needs and goals.
By Phone: Speak to a Business Banking Specialist –Monday through Friday, 7 a.m. to 7 p.m. EST and Saturdays 9 a.m. to 5 p.m. EST. Call 1-800-4BUSINESS.
At the Branch: Speak to a dedicated Business Banking Specialist who can answer your questions and review your needs. Find a branch near you.
At Your Business: Set up an appointment to have a Business Banking Specialist come to your business and review the best products for your needs. Call 1-800-4BUSINESS.

How do I access my business banking accounts?
Citizens Bank has taken a number of steps to ensure the safety of your funds online. To learn more about how we secure your money and protect your privacy look at our Safety and Security Measures page.

How do I transfer funds?
You can transfer funds at ATMs, by calling 1-888-910-4100, or by using Online Banking.

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Online Banking & Bill Pay

How can I sign up?
If you have an ATM/debit card, you can sign up online. You'll be asked to supply your card number and PIN, along with a Citizens Bank account number. If you do not have an ATM or debit card call us at 1-877-229-6428 to sign up.

When can I start using Online Banking?
You can begin using Online Banking immediately after signing up for your business banking account.

What kinds of features does Online Banking provide?
You can review account history and current transactions, transfer funds between accounts, place stop payments, request copies of statements, set up multiple users with different levels of security access, schedule and payments, view images of cleared checks, download account data, and much more.

What are automatic payments?
Automatic payments provide a means for automatically scheduling payments in Pay Bills based on the options you select. Set up any vendor that you pay on a monthly basis to save you time and maximize your cash flow. You can set up two different types of automatic payments:

  • Automatic Payment Schedules - You can set up an automatic payment schedule to pay bills of a set amount at regular intervals. For example, you can schedule a payment at the first of each month to pay your rent, utilities and vendors. This type of automatic payment is always available to you, regardless of whether you receive electronic bills from the biller or whether the biller lets you pay your electronic bills automatically.
  • Automatic Payments for Electronic Bills - If you receive electronic bills, some billers let you set up options for paying them automatically. You can decide whether to always pay the amount due or to set a limit on the amount for automatically paying the bill. You can also decide whether to make the payment on the due date or on the earliest date available after you receive the bill, this way you have more control over your cash flow.

Who can I add as an online payee?
You can pay almost any vendor and anyone in the United States: national bank card companies, mortgage or auto loan companies, suppliers or utility providers. Any company or individual to which you could send a check for payment is eligible for payment through Online Bill Payment. Set up new payees at any time.

Please note that individuals or businesses residing outside the United States are not eligible for bill payment. In addition, bill payments for tax payments or court-ordered payments are prohibited.

How long does it take to set up a new payee in the bill payment system?
Once you are signed up for Online Banking, you can set up a payee at any time.

How safe is Online Banking? What Systems Are In Place To Ensure Security?
Citizens Bank has taken a number of steps to ensure the safety of your funds online. All business banking account information entered and displayed online is maintained on a secured database encrypted using Secure Socket Layer (SSL) technology. We also protect information stored in our database by hardened connections called Firewalls. Only those devices authorized to communicate with the database can make a connection to the database. Additionally, we offer Safe With Citizens Bank® to ensure security. To learn more about how Citizens Bank secures your money and privacy look at our Safety and Security Measures page.

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Business banking support services answers

What kinds of business banking support does Citizens Bank offer?
Online: Fill out our short online form and a Citizens Bank Business Banking Specialist will contact you whenever is most convenient for you.
By Phone: Speak to a Business Banking Specialist Monday through Friday, 7 a.m. to 7 p.m. EST and Saturdays 9 a.m. to 5 p.m. EST. Call 1-888-910-4100.
At the Branch: Speak to a dedicated Business Banking Specialist who can answer your questions and review your business needs. Find a branch near you.
At Your Business: Set up an appointment to have a Business Banking Specialist come to your business and review the best products for your needs. Call 1-888-910-4100.

What are your branch hours?
Our online Branch/ATM Locator will provide you with the hours of operation, address information, and the phone number of the Citizens Bank branches closest to you.

How do I update my name and address in your system?
Simply call us at 1-888-910-4100, visit any Citizens Bank branch, or make a request through the Online Banking message center.

 

 

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Business Banking Representative

1-855-4BUSINESS

(1-800-428-7463)



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