Business banking disclosures

Apple and Apple logo: Apple and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc.

Autobooks Enrollment: Customer may have the option of enrolling in the optional accounting feature offered via Autobooks for an additional $9.99 per month. This additional fee will not be charged unless Customer enrolls in the optional accounting features. 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.

Autobooks Invoice: Based on general Autobooks user invoice processing from January to March 2023.

Autobooks Monthly Fee: 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.

Banking Products: Banking products are offered through Citizens Bank, N.A. ("CBNA"). For deposit products, Member FDIC.

Bill Pay: Small Business Bill Pay and eBills are available through Online Banking only. Mobile Bill Pay is currently unavailable to Small Business customers.

Business Checking Account: 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.

Business Credit Card Rate: Variable APRs will vary with the market based on the Prime Rate. The Index is determined monthly, and it is the Prime Rate published in the northeastern edition of The Wall Street Journal in its Money Rates table on the first day of the preceding month. If the first day of the preceding month is not a business day, the Bank will use the Prime Rate published on the next business day. We will determine your margin and APR based upon our review of your application and your credit history. If approved, your margin and APR will be shown on the Pricing Addendum, which will be provided with your credit card and your Agreement. This offer is only available on new accounts and if the business does not already have a Business Mastercard with Citizens Bank, N.A. The information about the costs of the card described in this application is accurate as of #ProductLine=CreditCard|Brand=citizensbank|ProductName=Citizens Cash Back Plus World MasterCard|RateName=Annual Fees|ProductAttribute=RateValue#. To find out what may have changed, call us at 866-248-4936.

Business ODLOC Annual Fee: $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.

Business Overdraft Pass: 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).

Business Products Services: Citizens Business Banking Products and Services are offered in the following states: CT, DE, FL, MD, MA, MI, NH, NJ, NY, OH, PA, RI, VT, VA, or DC.

Cash Flow Essentials: The initial fee for the Services will be $49 per month. The monthly Cash Flow Essentials fees do not include other bank charges and fees associated with Customer’s account(s), such as wire transfer, account maintenance fees, volume fees, etc. as disclosed in the Business Deposit Account Agreement and the Business Deposit Fees & Features.

CD Max Deposit: Maximum deposit of $1,000,000 per customer.

CD Monthly Interest: $5,000 if monthly interest disbursement by check or transfer is required.

CD Rates: CD rates listed require a Business Advisor Checking, Citizens Analysis Business Checking, or Commercial Checking account.

Charts: All charts are constructed with sample data and are for example purposes only.

Citizens Cash Flow Essentials Terms: Customer acknowledges that Citizens may amend the fees of the Services upon 30 days’ notice to the Customer and that the current fees will always be set forth in the Terms and Conditions currently in effect, available at citizensbank.com/cash-flow-essentials/terms.

Citizens Zero Liability: The Citizens Zero Liability coverage protects you from being held responsible for unauthorized transactions on your Citizens debit card when reported promptly. Claims of unauthorized use are subject to verification and investigation. For more information, please visit our Zero Liability page.

Datos Awards: 2024 Datos Insights Commercial Banking Impact Awards: Customer Experience: https://datos-insights.com/press-release/datos-insights-announces-winners-of-the-2024-impact-awards-in-commercial-banking/.

Digital Invoicing Fee: 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.

Earnings Credit Rate: 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.

Everyday Points Business Mastercard: $325 is earned when you spend $5,000 in purchases in the first 90 days from account opening (50,000 bonus points) plus 3 points for every dollar spent, totaling 65,000 bonus points. 1.5% thereafter is earned for every dollar spent (3 points). Each point is worth .005 cents. Redemption values are 1.5% for all redemption options, however, gift cards and merchandise can vary slightly due to shipping costs or special offers. Purchases totaling a minimum of $5,000 must occur within 90 days of account opening in order to be eligible for bonus points. Meeting the $5,000 purchase threshold for bonus point eligibility varies based on account setup. For “Business-Earn” accounts, the purchase threshold will be met by the aggregate spend of all cards under the company, and the bonus points will be applied to the business account. For “Cardholder Earn” accounts, each individual card under the master account that reaches the $5,000 purchase threshold is eligible for bonus points; these bonus points will be posted to the individual account(s). 50,000 bonus points will be posted to your Everyday Points Business Mastercard statement within two billing cycles of your meeting the $5,000 purchase threshold, as detailed above. Accounts must be open and in good standing, both at the time of reaching the purchase threshold and at the time bonus points are posted to your account statement, in order to receive points. You are solely responsible for any taxes that may be owed as a result of rewards earned and/or redeemed under this card. Please consult your tax advisor. Citizens Bank, N.A. does not provide tax advice. Additional terms and conditions may apply.

Google: Android and Google Play are trademarks of Google Inc.

Google Chrome: Google Chrome is a registered trademark of Google Inc.

Iolta Escrow: Customer acknowledges that IOLTA or Escrow accounts should not be enabled as billing accounts for Cash Flow Essentials or Autobooks, and Customer bears all liability in the event that an IOLTA or Escrow account is billed.

MMA Variable Rate APY: This account has a variable rate APY (Annual Percentage Yield) subject to increase or decrease daily without notice. Rates are not tied to an index and are subject to change at the bank's discretion. Recently, existing customers in a similar account have seen their rate decrease over time. Fixed-rate certificates of deposit are also available for customers who prefer the predictability of a fixed rate of return. Other fees may apply. Fees may reduce earnings.

Mobile Banking App: You may download the Citizens Mobile App allowing access to many of the same services and features available with your online banking service. You can view balances and activity for eligible credit and deposit accounts included in your online service. You may perform previously set up transfers between your Citizens accounts or your existing external accounts. e-statements, transfer set-up and self-initiated services like stop payments are not available using your Citizens Mobile Banking App.

Mobile Deposit Account: Mobile deposit account eligibility requirements, deposit limits and other restrictions may apply. Data use fees may apply.

Overdraft Line of Credit: Credit approval required. The $30 Annual Fee and $12 transfer fee is waived for Student Checking, Citizens EverValue Checking®, Citizens Quest® Checking, Citizens Private Client® Checking and Citizens Private Bank® Checking accounts. The Annual Percentage Rate (APR) for an Overdraft Line of Credit is 21% on the outstanding loan balance.

Paychex Discount: Citizens business checking account customers are eligible for an ongoing monthly 10% discount off the payroll processing fee when referred to Paychex by Citizens. The total amount of savings realized by a client depends on the actual number of employees paid, payroll services selected and length of time a client processes payroll with Paychex. The ongoing discount may take up to 2 billing cycles to go into effect and will continue as long as the client maintains their account with Citizens. Paychex, Inc. agrees to provide a 3-month money back satisfaction guarantee to all eligible Citizens clients who enroll in Paychex payroll services. If you are not completely satisfied, Paychex will refund up to 3 months of fees. All refund requests must be received within 3 months of client’s first payroll run date. The client has the sole responsibility in declaring and paying any federal, state or local taxes. All discounts apply to new Paychex customers only who are referred by Citizens Financial Group. Earnings will be reported to the IRS for income tax purposes. Please consult your tax advisor. Citizens Bank, N.A. does not provide tax advice. Offer subject to change or discontinuation and may not be combined with other Paychex offers.

Paytech Awards: 2024 Paytech Awards: Top Innovation in Payments By a Bank: https://informaconnect.com/paytech-awards/2024-winners-highly-commended/.

Prospectus: Mutual Funds and Variable Annuities are sold by prospectus. Please consider the investment objectives, risks, charges and expenses carefully before investing. The prospectus which contains this and other information can be obtained by calling your Financial Advisor. Read it carefully before you invest.

Relationship Pricing: Eligible balances for relationship pricing include most business loans, savings and money market balances.

Reverse Positive Pay: Customer may further choose to enroll in Reverse Positive Pay service and acknowledges that Customer may be charged up to $10 per account for this Service.

TurboTax Discount: As the leader in tax preparation, more federal returns are prepared with TurboTax than any other tax preparation provider. Visit turbotax.com/affiliate/mastercard for TurboTax product guarantees and other important information. Limited time offer for TurboTax applicable current tax year. Discount applies to TurboTax federal products only. Terms, conditions, features, availability, pricing, fees, service and support options subject to change without notice. Intuit, TurboTax and TurboTax Online, among others, are registered trademarks and/or service marks of Intuit Inc. in the United States and other countries.

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

Zelle® eligibility disclosure: To send or receive money with Zelle®, both parties must have an eligible checking or savings account. Transactions between enrolled users typically occur in minutes. Don't use Zelle® to send money to people you don't know. Data charges may apply.