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Business Banking

Discover valuable business banking solutions

Whatever your needs, our business banking professionals are here to work with you to tailor the right solution. Schedule a consultation today.

What Is Your Current Business Banking Need?

Featured Business Banking Solutions

Managing Your Business Operating Cycle

Keep your cash flow processes running smoothly throughout your operating cycle with our comprehensive set of business banking tools and services.

Receiving and Making Payments

Choose from a range of solutions designed to help you accelerate receivables and manage payments.

        Card Acceptance

            Accept debit and credit cards conveniently, securely, and cost-effectively with
            Citizens Bank Merchant Services.

        Payroll Services

            Streamline operations with timely, accurate payroll processing and tax administration
            with Paychex®.

        Electronic Payments

            Pay securely via Automated Clearing House (ACH) deposits to reduce errors.

        Foreign Exchange Services

            Settle and release payments and receive wire transfers and foreign checks to ensure
            smooth overseas transactions.

        Online Cash Flow Management System

            Get a full view of all payables and receivables in one simple Web-based tool so you can
            better manage your cash position.

Depositing, Monitoring, and Managing Cash

We understand that optimizing cash flow is critical to your day-to-day operations. Here are six ways we can help:

        Card Acceptance

            Ensure funds from credit and debit card transactions are deposited quickly and
            securely with Citizens Bank Merchant Services

        Remote Deposit

            Reduce prep time, save bank trips, and get quicker access to funds with E-Z Deposit®.

        Foreign Exchange Services

            Get increased flexibility in managing foreign cash flows by minimizing
            the need for currency conversions.

        Electronic Payments

            Receive payments securely via Automated Clearing House (ACH) deposits to reduce errors

        Online Cash Flow Management System

            View all account details in one place, including cleared checks, returned deposited
            items, and positive pay exceptions.

        Overdraft Protection Plans

            Protect your business checking account from overdrafts and their associated fees.

Funding Purchases

Whether your business is small or large, local or international, we can work with you to optimize your cash flow and finance purchases.

        Financing Solutions

            Fund anything from everyday purchases to business and real estate acquisitions with
            our flexible and competitive borrowing options.

        Foreign Exchange Services

            Get access to a dedicated team that can help your business execute
            international purchase transactions.

        Online Cash Flow Management System

            Manage your funds more effectively with our Web-based business cash flow management system

        Credit Card

            Manage cash flow, monitor employee spending, and easily track expenses.

Investing in Your Business

We have a variety of flexible financing options to help you get the funds you need to fuel the growth and success of your business


            Expand your business, increase working capital, or refinance existing debt.

        Term Loans

            Purchase large assets and increase long-term liquidity.

        Line of Credit

            Manage cash flow and purchase short-term assets such as inventory.

        Business Flex Loan

            Purchase multiple equipment assets over time with a single equipment loan.

        SBA Loans

            Start or expand your business, increase working capital, refinance existing debt,
            or finance owner-occupied commercial real estate.

You May Also Be Interested In

Increase your sales by accepting credit and debit cards.

Make electronic deposits to your business bank accounts by simply scanning checks and transmitting them via a secure Internet connection with E-Z Deposit®.

Simplify your filing—from payroll processes to tax returns, Paychex® has instilled peace of mind for more than 40 years.

Offer employees additional benefits like financial tools and education, and retirement plans.

Consider a personal account for your other needs Learn more



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All accounts and services are subject to individual approval. See a banker for details on FDIC insurance.