Startup Banking, Reimagined
At Citizens Private Bank®, we partner with founders and their teams to deliver personalized banking solutions backed by deep industry expertise — supporting every stage of your company’s growth.
Free Banking1
Enjoy fee-free banking for the first three years with a Citizens Analysis Business Checking account.
High-yield Solutions
Manage your cash while boosting earnings through high-yield options such as Money Market accounts, CDs, and various cash management solutions.
Deposit promotions2
Obtain up to $2,500 in credits to offset common startup expenses, like incorporation, legal, and 409A valuations.
Global Solutions
Scale internationally with a full suite of foreign exchange and currency solutions.
Startup toolkit
Access perks and discounts on essential software and services tailored to your startup's needs.
Strategic support and partnership
Experience networking, educational events, and operational insights.
Private banking that grows with you
Banking designed for innovators — from inception to exit and beyond.
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Founder-focused Services
Citizens Private Bank partners with founders to deliver personalized financial strategies — supporting your life, your team, your company and your legacy. Through a distinct experience and holistic solutions, we help you move from where you are to where you want to be.
Personal banking
Access exclusive banking and lending products at Citizens Private Bank, built with the founders in mind. Take advantage of customized banking, lending, trust services and private stock lending, tailored to meet the complex needs of our clients.
Wealth Management3
Leverage the expertise of a dedicated team to help you navigate the complex journey of building a company and managing your equity. Our bespoke financial planning and investment management solutions cover key areas such as stock option planning, QSBS strategies, diversification4, fixed income solutions and more — tailored to your unique needs.
Backed by the 200-year legacy of Citizens Financial Group
1828
Founded
$220B
in assets
$178B
in deposits
$32B*
in AUM
© Citizens Financial Group, Inc. All rights reserved. Citizens Bank, N.A. Member FDIC
* AUM as of 6/30/2025. As assets under management referenced above represents aggregated AUM across our investment advisory affiliates.
1 Open your first new Citizens Analysis Business Checking account between 1/1/25 and 12/31/25. The following fees will be waived or rebated for three years: Monthly maintenance fees, per transaction fees, wire fees, and accessOPTIMA fees. Overdraft fees still apply. IMPORTANT DETAILS ON OVERDRAFT COVERAGE: When we pay a transaction that overdraws your account, we will charge you an Overdraft Fee of $35 per item paid. When we return a check or ACH transaction unpaid because your account had insufficient funds, we will charge you a Returned Item Fee of $35 per item returned. We will limit to eight the combined number of Overdraft Fees and/or Returned Item Fees charged on any one business day, up to a total of $280. Once you have overdrawn your account, you must bring it to a positive balance as soon as possible. Whether your overdrafts will be paid is discretionary and we reserve the right not to pay.
2 To Earn Bonus: 1) Open your first new Citizens Analysis Business Checking account between 11/1/24 and 12/31/25. 2) Balance between $250,000-$499,999.99 will receive a $1,500 bonus; balance $500,000+ will receive a $2,500 bonus. 3) Meet qualifying balance requirements within 60 days. 4) Must open with funds not currently on deposit with Citizens. 5) Your new account must be open at time of bonus.
Eligibility: This offer is only available for those who received this offer from a participating Relationship Manager, is part of a participating NAICS (North American Industry Classification System) code, and is non-transferable to other businesses. Retain this flyer for your records. Client/business will only be paid a one-time bonus for this program. Offers may be withdrawn without notice and cannot be combined with any other business bonus checking offer. Offer eligibility is determined at Citizens’ sole discretion.
Payout: Once the new Citizens Analysis Business Checking account has been open for 45 days and has satisfied offer requirements, the bonus will be applied to the new checking account within 30 days. Bonus will be labeled as "Balance Builder Bonus." Bonus will be reported to the IRS for income tax purposes.
3 Citizens Wealth Management (in certain instances DBA Citizens Private Wealth) is a division of Citizens Bank, N.A. ("Citizens"). Securities, insurance, brokerage services, and investment advisory services offered by Citizens Securities, Inc. ("CSI"), a registered broker-dealer and SEC registered investment adviser - Member FINRA/SIPC. Investment advisory services may also be offered by Clarfeld Financial Advisors, LLC ("CFA"), an SEC registered investment adviser, or by unaffiliated members of FINRA and SIPC providing brokerage and custody services to CFA clients (see Form ADV for details). Insurance products may also be offered by Estate Preservation Services, LLC ("EPS") or an unaffiliated party. CSI, CFA and EPS are affiliates of Citizens. Banking products and trust services offered by Citizens.
4 Neither asset allocation nor diversification guarantee a profit or protects against a loss.
SECURITIES, INVESTMENTS AND INSURANCE PRODUCTS ARE SUBJECT TO RISK, INCLUDING PRINCIPAL AMOUNT INVESTED, AND ARE:
· NOT FDIC INSURED · NOT BANK GUARANTEED · NOT A DEPOSIT · NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY · MAY LOSE VALUE
Banking products are offered through Citizens Bank, N.A. (“CBNA”). For deposit products, Member FDIC.