All the essentials. All in one place.

Citizens Cash Flow Essentials® — cash management for your business

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$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.

Gain valuable insights

  • Customize ListViews to clearly view cash positions
  • Gain better visibility into cash flow turn times
  • See Business and Commercial loan detail & summary reporting
  • Balance & Transaction Report

Access Cash Flow Forecasting, a powerful feature that enables you to:

  • Forecast cash flow up to 12 months out
  • Receive personalized, actionable advice
  • See how your business compares to similar companies

Make payments simple

  • Real Time Payment - outgoing transactions - per RTP dollar and daily limits apply
  • Real Time Payment messaging on payments received
  • ACH debit and credit origination - excludes international and same day ACH
  • ACH Notification of Change/Returns Report
  • Wire origination capabilities - Domestic & International – per wire dollar and daily limits apply
  • Eligible Business Banking Loan Payment / Draw Capabilities
  • Unlimited mobile check deposits

Get paid faster

  • Stop Payment Capabilities – per stop payment fees apply
  • Send customized invoices
  • Track & categorize payments
  • Accept credit, debit, and ACH payments
  • See who’s paid & what’s due
  • Commercial Loan Summary / Detail
  • eStatements
  • Multiple user profiles assigned by the System Administrator
  • Multiple currencies covered for wires
  • Accounting features with Autobooks

Enjoy peace of mind

Protect your business with internal controls

  • Create user profiles, manage team member payment approvals, and set up transaction alerts
  • Enrolling in Reverse Positive Pay can help fight fraudulent activity**
  • Reverse Positive Pay provides you a daily data on prior day's checks for payment
  • You identify and communicate the items you do not want Citizens to pay
  • Save time and money by automating the labor-intensive reconciliation process
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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

Frequently Asked Questions for those enrolled in Autobooks

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.

Valid First Name required
Valid Last Name required
Valid Legal Business Name required
Please enter a valid Business Street Address
Please enter a valid zip
Valid State required.
Please enter a valid email
Valid Phone required must be 10 digits number 0-9
Valid Business Revenue Size required
Please select valid products

© 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.