For a limited time make up to $3,000*

* To earn your bonus: Get up to $3,000 ($1,200 checking and $1,800 savings) over twelve monthly qualification periods. To qualify for this promotion, customers must open both a first new eligible Citizens Business checking account and a new Business Savings account on the same day between October 1 and November 15, 2026, and satisfy the applicable checking and savings bonus requirements. To earn the checking bonus: 1.) Open a first new Clearly Better Business Checking or Business Advisor Checking account and a new eligible business savings account on the same day between October 1 and November 15, 2026. 2.) During each applicable calendar month, have one or more deposits totaling $1,000 or more post and clear into the first new checking account and make qualifying fuel purchases as stated below. 3.) Get up to $50 per month and $600 total for Clearly Better Business Checking, or up to $100 per month and $1,200 total for Business Advisor Checking. Make one or more qualifying fuel purchases using the Citizens debit card associated with that first new account. The monthly bonus equals the total amount spent on qualifying fuel purchases that post and clear the account during that month, calculated on a cent-by-cent basis, up to the applicable monthly maximum. Each month is reviewed separately for monthly bonus qualification eligibility. If you do not meet both checking requirements in one month, you will not earn a bonus for that month, but you are still eligible to requalify again in later months if you accomplish the required qualifying criteria. The maximum checking bonus is $1,200. To earn the savings bonus: 1.) Open a new Business Savings account and a first new eligible checking account on the same day between October 1 and November 15, 2026, and 2.) Make one single deposit totaling at least $15,000 in new money into the new savings account no later than 10 business days after account opening from an external funding source. For each calendar month, earn $50 if the new savings account's end-of-day daily balance is $15,000 through $39,999.99, or $150 if that balance is $40,000 or more. The maximum savings bonus is $1,800. The tier is determined separately each month, so you may move between tiers. A new savings account balance below $15,000 earns no bonus for that month but does not prevent qualification in a later month when an eligible balance is restored.

Eligibility: Checking and savings accounts must continuously stay open and in good standing throughout the offer period to be considered for a bonus. Ongoing eligibility for the checking bonus and savings bonus is determined separately. A customer who does not meet the requirements for one bonus may still earn the other bonus if all applicable requirements for that bonus are satisfied. New account(s) must have a balance greater than zero and remain open and active throughout the payout date. Any account that remains at zero balance may be closed if it is not funded. Each customer may participate in the business offer once. If multiple new savings accounts are opened on the same day, only the first savings account to satisfy the qualifying requirements will be eligible to receive the bonus. Qualifying fuel purchases are debit card purchase transactions at merchants classified under merchant category code 5541 or 5542. Merchants and payment processors, not Citizens, assign merchant category codes based on their typical products and services. Eligibility depends on the code submitted with the transaction, not the item purchased; therefore, a nonfuel purchase at an eligible merchant may qualify, while a fuel purchase submitted under a different code determined by a gas merchant may not qualify. Examples of merchants that may use these merchant category codes include, but are not limited to, Shell, Wawa, Speedway, ExxonMobil, Cumberland Farms, and BP. Deposits include deposits of any kind from non-Citizens accounts. Current and prior Citizens savings account ownership is permitted. New money means external funds not currently on deposit with Citizens or Citizens Access®. Qualifying deposit amounts are based on one single deposit deposited within 10 business days of new savings account opening from an external funding source. The primary signer may not be or have been a signer on any other Citizens business checking accounts within the previous 6 months. The primary owner may receive up to twelve bonuses per eligible Citizens checking account and up to twelve bonuses per eligible Citizens savings account under this offer. This offer may not be combined with another checking or savings offer, as applicable. Offer eligibility is determined at Citizens’ sole discretion. Right to Terminate: Citizens may modify, suspend, or terminate this offer at any time. Disqualification: Reward will be denied or forfeited if: (1) the new money requirement is not met or maintained, as defined above. Analysis Business Checking is not eligible.

Payout: Each earned checking or savings bonus, labeled "Promo Bonus," will be deposited into the applicable new checking or savings account on the last day of the month following the month in which all applicable checking or savings requirements are met. Bonuses may be reported to the IRS for income tax purposes. The applicable new account must remain open through its payment date; if it is closed earlier, the related bonus will not be paid. Please refer to the payout timing section below.

Payout Table:

Payout Timing Examples:

We have multiple business checking and savings options, for example, as of 9/21/2026 APY (Annual Percentage Yield) by tier for Citizens Business Savings is: 0.01% for balances below $999, $1,000+, $2,500+, $10,000+, $25,000+, $50,000+, $75,000+, $250,000+ and $1,000,000+. The minimum opening balance for business checking and savings accounts can be of any amount. For Citizens Business Advisor Checking, you must maintain an average daily balance of $10,000 OR $35,000 in combined balances in linked Business Savings, Business Money Market, IOLTA Checking, Business Certificates of Deposit, eligible business loans and lines of credit, and any Business Overdraft Line of Credit to waive the Citizens Business Advisor Checking $25 monthly maintenance fee.

¹ This account has a variable rate APY 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. Other fees may apply. Fees may reduce earnings.

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