Frequently Asked Questions: Business Banking

Citizens 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.

• Log in to Online Banking

• Call Citizens at 1-888-678-7100

• Find a branch.

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.

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.

Citizens is dedicated to helping you find the right accounts for your business 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, 7:00 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.

Citizens 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.

• Log in to Online Banking

• Call Citizens at 1-888-678-7100

• Find a branch.

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.

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.

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.

With mobile deposit, depositing checks is simpler and more convenient than ever. It lets you use your smartphone or tablet to:

• Deposit checks virtually anytime, anywhere.
• Save time and trips to the branch.
• Extend the business day to 10:00 p.m. ET and still have your mobile deposit count as a deposit on that business day.

It’s simple to deposit checks with mobile deposit. From the Citizens Mobile Banking App, here’s all you need to do:

• Tap mobile deposit.
• Pick the account you’re depositing to and enter the check amount.
• Photograph both sides of your endorsed check with your smartphone or tablet camera, following the clear on-screen instructions.
• Review your deposit information and then submit your deposit.
• Look for the confirmation that your deposit was received.
• You can view the deposit in Account History and see the details of your deposit and check images in View Recent Activity.

To be eligible to use mobile deposit, just be sure you:

• Have a personal or small business checking or savings account in good standing.
• Are enrolled in Online Banking and have downloaded the Citizens Mobile Banking App.

If you meet this criteria, when enrolling you'll be presented with the Mobile Deposit Service Agreement. In order to complete enrollment, you MUST accept the Agreement.

If you're not eligible for mobile deposit, you'll receive a message when attempting to access the service within the Mobile Banking App. But before you get started, remember that to be eligible you must:

• Have a personal or small business checking or savings account in good standing.
• Be enrolled in Online Banking.
• and have downloaded the Citizens Mobile Banking App.

Checks you deposit should be payable to you as the account holder or business (if appropriate), and endorsed on the back with your signature or official company stamp. Examples of checks that are NOT eligible for mobile deposit include:

• Checks payable to others
• Checks missing signature of issuer
• Checks more than six months old
• Foreign checks and items not payable in US currency
• Travelers checks, money orders, postal money orders, and US Treasury checks
• Checks that exceed your available deposit limit

For a complete list of payment/check types which cannot be deposited with mobile deposit, please see Citizens Mobile Deposit Service Agreement.

To ensure a high-quality check image, your smartphone or tablet must have a built-in camera that's at least two megapixels. When capturing the image, please:

• Place check on flat, dark-colored surface in a well-lit area.
• Position device’s camera over check to minimize angles, glare, and shadows.
• Align the check with the four corners of the guide image, and not the corners of your screen.
• Avoid objects and clutter around the check.
• Hold the device steady and the picture will be taken for you.

Online: Fill out our short online form and a Citizens Business Banking Specialist will contact you whenever is most convenient for you.

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. ET. Call 1-888-678-7100.

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 1-888-678-7100.

If you are a business client and have over $10 million in assets, Citizens Private Wealth Management can provide custody services for your business or institution. Our escrow agency capabilities, with optional investment management services, can assist you in completing a merger, acquisition, or other commercial transaction.

• Full Investment Management Services
• Retirement Plan Services (including Pension, Profit Sharing and other Qualified as well as Non-Qualified plans)
• Not-for-Profits – support and organize your capital while mitigating risk
• Full business banking and investment needs – 24 hours a day, 7 days a week