$49 per month | Enhanced business cash management solution
Citizens Cash Flow Essentials® is a simple, online and mobile banking platform and payment suite. It provides access to real-time information, seamless payment functionality and practical tools to help customers meet daily cash flow requirements and make well-informed business decisions.
Take control of your cash flow for only $49.00/month*
Streamline your payments, reduce manual processes, and optimizes cash flow to get back to running your business. Meet with Citizens to learn how with Cash Flow Essentials.
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Frequently Asked Questions
Citizens Cash Flow Essentials® is a simple, online and mobile banking platform and payment suite. It provides access to real-time information, seamless payment functionality and practical tools to help customers meet daily cash flow requirements and make well-informed business decisions.
$49 per month; fees subject to change.*
Charge must be debited from a Citizens Clearly Better Business Checking®, Citizens Business Advisor Checking®, Citizens Association Checking with Interest or Citizens Business Green Checking Account.
As part of your monthly subscription, you will receive the following capabilities:
- ACH credits originated – excludes International, debit, and same day
- ACH Notification of Change/Returns Report
- Wire origination capabilities - Domestic & International – per wire dollar and daily limits apply
- Real Time Payment - outgoing transactions - per RTP dollar and daily limits apply
- Real Time Payment messaging on payments received
- Mobile Check Deposit – no scanner capabilities
- Stop Payment Capabilities – per stop payment fees apply
- Eligible Business Banking Loan Payment Capabilities
- Eligible Business Banking Loan Draw Capabilities
- Commercial Loan Summary
- Commercial Loan Detail
- Internal Transfer Capabilities
- Send customized invoices
- Track and categorize payments
- Accept online, credit, debit, and ACH payments
- See who's paid invoices and what's due
- eStatements
- Balance & Transaction Report
- Wire originated from platform fees
- Stop Payments originated from the platform fees – you will be charged per stop payment
- Any excessive transaction fees based on account type
- Add Autobooks accounting for only $9.99/month* to seamlessly integrate online accounting into your Cash Flow Essentials
The System Administrator and any additional users with the 'User is an administrator permission' enabled.
USD & many others. For a complete list, visit Currencies for Outgoing International Wires..
Frequently Asked Questions for those enrolled in Autobooks
Customers who receive an invoice sent through Autobooks can pay it immediately upon receiving it electronically using all major credit/debit cards (including American Express®), or by ACH bank transfer.
Funds are usually deposited within two business days of the payment submission, and go directly into your Citizens Business checking account.
You can easily accept payments on the spot directly inside online banking. You can also share a secure link to your Autobooks Payment Form everywhere you communicate with customers — via text message, email, your website and more.
Yes. Just add your unique, secure Payment Form link to your web page or social media profile. Make it a button for added prominence. You can even adjust the wording on your form to instead show donations or contributions.
QR codes are ideal for in-person events where you plan to meet with multiple customers or donors. Simply download your QR code and print from your computer. Then be sure to display your QR code prominently. When customers ask to pay, you can point to your QR code.
After you've enrolled in Autobooks, you are free to add on the optional accounting functionality for an additional fee of $9.99/month*. There is no commitment — you can cancel at any time.
When you accept a card not present payment, you will incur a 3.49% transaction fee. This fee is competitive when compared to online card-not-present solutions offered in market. For ACH-based payments, you will incur a 1% transaction fee. This fee is competitive when compared to online card-not-present solutions offered in market.*
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
* 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.
Customer may have the option of enrolling in the optional accounting feature offered via Autobooks for an additional $9.99 per month. This additional fee will not be charged unless Customer enrolls in the optional accounting features. 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.
Customer acknowledges that Citizens may amend the fees of the Services upon 30 days’ notice to the Customer and that the current fees will always be set forth in the Terms and Conditions currently in effect, available at citizensbank.com/cash-flow-essentials/terms.
Customer acknowledges that IOLTA or Escrow accounts should not be enabled as billing accounts for Cash Flow Essentials or Autobooks, and Customer bears all liability in the event that an IOLTA or Escrow account is billed.
Cash Flow Forecasting provides information for informational purposes only, subject to our terms and conditions. We do not provide financial, accounting, tax, investment, or other professional advice.
** Customer may further choose to enroll in Reverse Positive Pay service and acknowledges that Customer may be charged up to $10 per account for this Service.
American Express is a registered trademark of American Express Company.