Earn up to $750*

* To Earn Bonus: To earn a $750 bonus, open your first new Business Advisor Checking account between 4/1/25 and 8/31/25, and have a minimum single deposit of $30,000 post to the account by the date stated in the table below then remain on deposit until the date stated in the table below and make five qualifying transactions in the two months stated in the table below OR to earn a $300 bonus, open your first new Clearly Better Business Checking account between 4/1/24 and 8/31/25, and have a minimum single deposit of $5,000 post to the account by the date stated in the table below then remain on deposit until the date stated in the table below and make five qualifying transactions in the two months stated in the table below. Qualifying Transactions: Include deposits made at a Citizens branch, ATM or through the mobile app; payments made by check or Online Bill Pay; and debit card transactions, including signature and PIN-based debit transactions in person directly at a merchant location, in app or at online merchant sites. Transfers between other Citizens accounts do not qualify. Qualifications: Primary signer on the new business checking account may not be or have been a signer on any Citizens business checking account within the previous six months. Your new account must have a balance greater than zero and remain open and active through the payout date stated in the table below to qualify for this offer. Transfers between other Citizens accounts do not qualify. Eligibility: This offer is non-transferable and is only available for those that received the offer at the address stated on the mailer. Retain the mailer for your records. Customer 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 Offers may be withdrawn without notice and cannot be combined with any other business checking offer. Offer eligibility is determined at Citizens’ sole discretion. Payout: Bonus will be deposited to the new business checking account by the date stated in the table below and will be labeled as “Balance Builder Bonus.” Bonus will be reported to the IRS for income tax purposes.

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

⁴ 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).

⁵ 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.

⁶ 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.