MAKE UP TO $1,800*
in your first year when you:
- Open a new Business Savings account.
- Make one, single deposit of new money from an external source into your new Citizens personal or business savings account within 10 business days of opening the account. Maintain the required daily balance in your savings account to receive the monthly bonus.
- $40,000 or more to receive up to $1,800*
($150/month for 12 months)
OR - $15,000–$39,999 to receive up to $600*
($50/month for 12 months)
- $40,000 or more to receive up to $1,800*
Open your account
Open your business savings account below or visit a local branch and speak to a banker.
Business Savings Account1
The right business savings account keeps your funds secure and easily accessible.
- Account will automatically receive a fee waiver on the first 4 monthly maintenance fees.
- Waive the $4.99 monthly maintenance fee by maintaining a $500 average daily balance
You must have an existing business checking account to qualify for the offer. Click here if you do not have one.
If you don’t already have a Business Checking account, you must add one when you open your account.
Frequently asked questions
If you don't have an existing business checking account, you may be eligible for a different offer.
New Money is external funds that are not already on deposit with Citizens or Citizens Access.
No. The required funding amount must be provided through a single deposit from an external source directly to your Citizens Business Savings account within 10 business days of account opening.
Once initial offer requirements are met, eligibility for the savings bonus is evaluated each month. If you do not meet the applicable requirements in a given month, you will not earn a bonus for that month. However, you may continue to earn bonuses in future months by meeting the applicable requirements during those months.
Your business savings account must be funded within 10 days of account opening.
© Citizens Financial Group, Inc. All rights reserved. Citizens Bank, N.A. Member FDIC
* To earn your bonus: Get up to $1,800 over twelve monthly qualification periods. To qualify for this promotion, customers must have an existing Citizens checking account, open a new eligible savings account between October 1 and November 15, 2026, and satisfy the applicable savings bonus requirements. To earn the savings bonus: 1.) Open a new Business Savings account 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. 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. 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 owner may receive 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.
Payout: Each earned savings bonus, labeled "Promo Bonus," will be deposited into the applicable new savings account on the last day of the month following the month in which all applicable 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:
| If you open your account between: | Satisfy savings requirements monthly from: | Savings bonus paid to the applicable new savings account by end of day: |
|---|---|---|
| October 1-October 31, 2026 | November 2026 throughout October 2027 | The last day of each month following the month in which all requirements are satisfied |
| November 1- November 15, 2026 | December 2026 throughout November 2027 | The last day of each month following the month in which all requirements are satisfied |
Payout Timing Examples:
| If you open your account between: | Satisfy savings requirements monthly from: | Savings bonus paid to the applicable new savings account by end of day: |
|---|---|---|
| October 1-October 31, 2026 | November 2026 | December 31, 2026 |
| November 1- November 15, 2026 | December 2026 | January 31, 2027 |
We have multiple business checking and savings options, for example, as of 9/14/2026 APY 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 (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.