Business Advisor Checking®

With no required minimum balance to open an account, you can get started today.

Any amount

There is no minimum balance to open your account.

$25 monthly maintenance fee

Waived with $10,000 average daily balance or with $35,000 monthly combined balance. Eligible balances for relationship pricing include most business loans, savings, and money market balances. See a banker for details.

Checks

Includes the first 500 check transactions (checks deposited, paid or cashed) per statement period at no charge and relationship benefits that allow you to combine the balances of your business loans, savings and money market accounts to meet the monthly balance required to waive your monthly maintenance fee.

With Business Advisor Checking, you’ll get $100 off your first order of checks processed through our preferred provider, Deluxe.

You can order checks with Deluxe:

By phone: 1-800-231-9915
By online: Deluxe Business Checks and Solutions

Account management tools

Track payments, pay bills, transfer funds and stay on top of your finances with online access and a single view of all your accounts. Business owners have the ability to set up multiple users with varying levels of security access. Timesaving eBills keep your billing cycle running smoothly, allowing you to send bills electronically to eligible vendors and suppliers and set up automatic alerts and payments.¹

Overdraft Protection

Take control of liquidity on your accounts with our Business Overdraft Plans, including overdraft line of credit² and no fee savings overdraft transfers.

Plus, with Business Overdraft Pass® no Overdraft Fee will be charged on any overdraft item of $5 or less or when your account is overdrawn and the total overdrawn amount at the end of the same business day is $5 or less. Business Advisor Checking has coverage of $10 or less.³

Debit cards

There’s no need to carry checks or cash when you’ve got a small business debit card from Citizens, an easy and secure way to make everyday purchases. The card gives you 24/7 online account access and the ability to access your money anytime, anywhere.

Payroll Services

10% discount when you use our payroll services.

Invoicing and accounting

Get paid faster. Invoice, track and accept payments⁴ without moving funds from other apps - you can get paid directly into your business checking account.

Plus, you can also simplify your accounting by automating bookkeeping entries and access financial reports in online banking. Add for only $9.99/month.⁵

Download detailed account documents

Fees and Features Guide

Account Agreement

Review what is needed to open an account

Opening a Business account checklist

¹ Wireless carrier fees may apply. Banking fees may apply.

² $12 transfer fee per day for each day a transfer(s) occurs, interest on outstanding balances. $30 annual fee for Clearly Better Business Checking account and Citizens Analysis Business Checking account. Annual Fee waived for Business Advisor Checking account. Subject to credit approval.

³ No Overdraft Fee will be charged on any overdraft item of $5 or less ($10 or less for Business Advisor Checking®) or when your account is overdrawn and the total overdrawn amount at the end of the same business day is $5 or less ($10 or less for Business Advisor Checking).

⁴Incoming 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.

⁵A 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.