Online & Mobile Banking with Digital Invoicing & Payments
Securely check your balances, transfer funds and pay bills. You can also leverage Digital Invoicing with card and ACH acceptance to get paid faster* with an optional accounting add on.**
- Mobile Check Deposit
- Bill Pay
- Zelle® for your business
- Digital Invoicing & Payments
- Alerts
Citizens Cash Flow Essentials®
Fees: $49 per month
One easy to use platform that lets you manage payments, send invoices, get paid faster, forecast cash flow, control user entitlements and approval workflows and more.***
- Mobile Check Deposit
- Digital Invoicing & Payments
- Real-Time Payments (RTP) & ACH payments
- Domestic & International wire transfers
- Forecast 12 months of cash flow
- Competitive benchmarking
- Personalized advice
- Create user profiles, manage team member payment approvals, & set up transaction alerts.
accessOPTIMA® - Sophisticated Business Account Solution
Designed to handle high volumes of incoming and outgoing payments. Build your custom solution with a dedicated banker to assist on your analyzed account. Hand-pick services that match your business needs and have access to a variety of service options including advanced ACH options, wire transfers, payment automation, real-time payments, international banking and more! You also could add and manage multiple users.
Additional Cash Management Solutions
Contact us to get more information on these products to help keep your business operations running smoothly.
Exchange Financial Data: accessXCHANGE®
A safe, secure and compatible format for transmitting and receiving receivables and payment data to and from the bank.
Escrow Management: accessESCROW®
This robust online tool empowers you to simplify the administration of your escrow accounts while ensuring total privacy and security.
Liquidity Control: accessLIQUIDITY®
A comprehensive dashboard view of your business’ liquidity positions with detailed, point-in-time information and conduct market research.
Zero Balance Accounts (ZBAs)
Automatically consolidate funds into one account that can then be used to fund disbursements or investments.
Remote Check Deposit: accessDEPOSIT®
A safe, secure way to capture and transmit digital images of checks right from your place of business.
International Trade: accessGlobal Trade Flow®
Manage trade finance transactions in real time, providing direct, 24/7 connectivity throughout the lifecycle of the transaction.
Simplify Receivables: accessLOCKBOX®
Reduce the potential for theft and fraud for checks, money orders and other paper-based remittances.
Secure ACH: ACHieve Access®
Take greater control over ACH transactions and safeguard your accounts against fraud.
Ready to take the next step?
Get in touch with our team. All fields are required unless marked as "Optional".
Please note: Citizens Business Banking Products and Services are offered in the following states: Connecticut, Delaware, Florida, Maryland, Massachusetts, Michigan, New Hampshire, New Jersey, New York, Ohio, Pennsylvania, Rhode Island, Vermont, Virginia and Washington, D.C.
© Citizens Financial Group, Inc. All rights reserved. Citizens is a brand name of Citizens Bank, N.A. Member FDIC
* 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.
** 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.
*** The initial fee for the Services will be $49 per month. The monthly Cash Flow Essentials fees do not include other bank charges and fees associated with Customer’s account(s), such as wire transfer, account maintenance fees, volume fees, etc. as disclosed in the Business Deposit Account Agreement and the Business Deposit Fees & Features.
2024 Paytech Awards: Top Innovation in Payments By a Bank: https://informaconnect.com/paytech-awards/2024-winners-highly-commended/
2024 Datos Insights Commercial Banking Impact Awards: Customer Experience: https://datos-insights.com/press-release/datos-insights-announces-winners-of-the-2024-impact-awards-in-commercial-banking/
Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.