Business online and mobile banking

If you have an ATM/debit card, you can sign up online. You'll be asked to supply your card number and PIN, along with a Citizens account number. If you do not have an ATM or debit card, call us at 1-877-229-6428 to sign up.

You can review account history and current transactions; transfer funds between accounts; place stop payments; request copies of statements; set up multiple users with different levels of security access, schedule and payments; view images of cleared checks; download account data; and much more.

Automatic payments provide a means for automatically scheduling payments in Pay Bills based on the options you select. Set up any vendor that you pay on a monthly basis to save you time and maximize your cash flow. You can set up two different types of automatic payments:

• Automatic Payment Schedules - You can set up an automatic payment schedule to pay bills of a set amount at regular intervals. For example, you can schedule a payment at the first of each month to pay your rent, utilities, and vendors. This type of automatic payment is always available to you, regardless of whether you receive electronic bills from the biller or whether the biller lets you pay your electronic bills automatically.
• Automatic Payments for Electronic Bills - If you receive electronic bills, some billers let you set up options for paying them automatically. You can decide whether to always pay the amount due or to set a limit on the amount for automatically paying the bill. You can also decide whether to make the payment on the due date or on the earliest date available after you receive the bill. This way you have more control over your cash flow.

You can pay almost any vendor and anyone in the United States: national bank card companies, mortgage or auto loan companies, suppliers, or utility providers. Any company or individual to which you could send a check for payment is eligible for payment through Online Bill Payment. Set up new payees at any time.

Please note that individuals or businesses residing outside the United States are not eligible for bill payment. In addition, bill payments for tax payments or court-ordered payments are prohibited.

Mobile deposit is a convenient feature of the Citizens Mobile Banking App that makes it simple to quickly and securely deposit checks using your smartphone or tablet. You just take a photo of the front and back of your check and follow the clear instructions that you'll see on-screen.

Checks you deposit should be payable to you as the account holder or business (if appropriate), and endorsed on the back with your signature or official company stamp. Examples of checks that are NOT eligible for mobile deposit include:

• Checks payable to others
• Checks missing signature of issuer
• Checks more than six months old
• Foreign checks and items not payable in US currency
• Travelers checks, money orders, postal money orders, and US Treasury checks
• Checks that exceed your available deposit limit

For a complete list of payment/check types which cannot be deposited with mobile deposit, please see Citizens Mobile Deposit Service Agreement.