Business checking accounts

Explore our business checking account solutions and choose the account that's right for your small business.

Open an account

Clearly Better Business Checking®

A basic account with no monthly maintenance fees - ideal for smaller businesses with modest account activity.

Overdraft line of credit¹
Yes

Monthly maintenance fee
$0

Included monthly transactions
Up to 200 check transactions per statement period at no charge, 50¢ per additional.

Business Advisor Checking®

A relationship account that's perfect for businesses with average account activity.

Overdraft line of credit¹
Yes, Annual Fee Waived

Monthly maintenance fee

$25
Waive the monthly maintenance fee when you either: Maintain a $10,000 average daily balance OR Maintain $35,000 in monthly combined balance²

Included monthly transactions
Up to 500 check transactions per statement period at no charge, 30¢ per additional.

Citizens Analysis Business Checking

A comprehensive account designed exclusively for businesses with high-volume activity, providing access to a variety of cash management, merchant, and money movement services.

Overdraft line of credit¹
Yes

Monthly maintenance fee

Review with a relationship banker for details.
Associated fees can be offset with Earnings Credit Rate³

Included monthly transactions
Review with a relationship banker for details.

Branches & ATMs

Visit us at over 1,000 branches at 3,000 ATMs.

Online and mobile banking

Save your business time, money and trips to the bank with our online and mobile banking services⁴.

Overdraft protection

Take control of liquidity on your accounts with our Business Overdraft Plans, including overdraft line of credit¹ and no fee savings overdraft transfers.

Plus, with Business Overdraft Pass® no Overdraft Fee will be charged on any overdraft item of $5 or less or when your account is overdrawn and the total overdrawn amount at the end of the same business day is $5 or less. Business Advisor Checking has coverage of $10 or less.⁵

Invoicing and accounting

Get paid faster. Invoice, track and accept payments⁶ without moving funds from other apps - you can get paid directly into your business checking account.

Plus, you can also simplify your accounting by automating bookkeeping entries and access financial reports in online banking. Add for only $9.99/month.⁷

Business Checking Frequently Asked Questions

- Online: Utilize our comparison page. 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, 7:00 a.m. to 7:00 p.m. ET and Saturdays, 9:00 a.m. to 5:00 p.m. EST. Call 1-888-678-7100.
- 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 1-888-678-7100.
We have partnered with Deluxe to provide safe and convenient options to order personal checks, Home Equity Line of Credit checks, or Personal Line of Credit checks:
- By phone: 1-800-231-9915
- Online: Deluxe Business Checks & Solutions (order directly with Deluxe, our preferred check provider)
- Online Banking: Log In | Enroll (order checks through the Business Accounts Services section)
- In person: Find A Branch
When you place your order using any of these convenient options, be sure to select your check style and confirm the following:
- Name and Address
- Routing Number
- Account Number
- Check Starting Number
Please note: If you would like to change a name or address on your checks, please visit a branch near you or call us at 1-800-862-6200 to complete your order.

Your checks will be sent in a new, flat package designed by Deluxe to accommodate new postal automation and keep delivery costs to a minimum. The new packaging is a streamlined blue envelope that is ¾ of an inch thick.

Inside you will find a flat, easy-to-assemble box where you can store your checks as you did with the former packaging. Be sure to organize your checks in sequential order. The new packaging keeps delivery costs low while maintaining the security and quality we’re committed to providing.

Have more questions? Get more answers in our full FAQs section.

Citizens offers business checking accounts in the following states: CT, DE, FL, MD, MA, MI, NH, NJ, NY, OH, PA, RI, VT, VA, or DC.

All accounts, loans, and services are subject to individual approval. See a banker for details.

¹ $12 transfer fee per day for each day a transfer(s) occurs, interest on outstanding balances. $30 annual fee for Clearly Better Business Checking account and Citizens Analysis Business Checking account. Annual Fee waived for Business Advisor Checking account. Subject to credit approval.

² Eligible balances for relationship pricing include most business loans, savings and money market balances.

³ Earnings Credit Rate can be used on available balances to offset transactions fees. It applies to various balance tiers, and is established at the Bank's discretion and may be changed at any time.

⁴ Wireless carrier, text, and/or data charges may apply.

⁵ No Overdraft Fee will be charged on any overdraft item of $5 or less ($10 or less for Business Advisor Checking®) or when your account is overdrawn and the total overdrawn amount at the end of the same business day is $5 or less ($10 or less for Business Advisor Checking).

⁶ Incoming payments received using the optional digital invoicing feature will incur a 3.49% interchange fee for card payments and a 1.00% fee for ACH payments.

⁷ A monthly maintenance fee charge of $9.99 will be charged for those using the Online Accounting feature within Autobooks. Neither Citizens Bank, N.A., nor any of its subsidiaries or affiliates, is affiliated with Autobooks, Inc (Autobooks). The accounting services referenced herein are provided exclusively by Autobooks and are subject to customer's agreement to Autobooks' terms of use. Certain restrictions and fees apply. Citizens may be entitled to receive fees from Autobooks for customer's use of accounting services. Use of accounting services from any provider, including Autobooks, is solely at the customer's election. Autobooks may have a different Privacy and Security policy than Citizens Bank, N.A. You should review the Privacy and Security policies of the Autobooks website before you provide personal or confidential information.