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Open a business bank account that keeps your bottom line in mind, requiring no monthly minimum balance. Clearly Better Business Checking accommodates small businesses with low monthly account activity, and includes the first 200 check transactions (checks deposited, paid or cashed) per statement period at no charge.
Review the features of our simple checking account for small business below to determine if it’s what you need to manage your funds.
Minimum balance to open Any Amount
Monthly maintenance fee$0
This account does not earn interest.
Take secure banking wherever your business needs to go. Pay bills, make transfers, set up alerts and more whenever and wherever you want.1#Json=Label_Lookup|Brand=citizensbank|ApplyToParentElement=|TargetElementType=span|TargetElementId=|Key=Learn More#
You can bring the bank wherever your business needs to go thanks to our secure online and mobile banking solutions. From the anywhere, anytime convenience of our award‑winning2 Citizens Bank Mobile Deposit® app to the ease of online banking and customized alerts, there’s almost nothing you need from your bank that you can’t get done on the move.1
Explore our online and mobile options:
Citizens Bank Mobile Deposit®
Our popular, award-winning2 app makes it easy to deposit checks from your mobile device.3
Online Bill Pay
Bill payment is easy with our Online Banking site.4 Our calendar tool helps you to determine the earliest day your bills can be paid.
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. Time saving 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
Money Movement and Management
With the Popmoney® online payment service and account-to-account transfers, you'll have the tools your business needs to improve cash flow management by enabling you to easily:
Top-Rated Smartphone App
Our mobile app gets top ratings on both iPhone® and Android™, and it’s also ranked #1 for customer satisfaction.2 Try it. We think you’ll find it’s the quickest, easiest way to manage your accounts and deposit checks remotely.1
A simple, secure way to make everyday purchases.#Json=Label_Lookup|Brand=citizensbank|ApplyToParentElement=|TargetElementType=span|TargetElementId=|Key=Learn More#
There’s no need to carry checks or cash when you’ve got a small business debit card from Citizens Bank, 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.
Our customers value our small business debit card for the following features:
Trouble proof your liquidity with one of our overdraft plans for business banking. Rest easy, knowing that available funds can be automatically transferred to your business checking account in the event of an overdraft.#Json=Label_Lookup|Brand=citizensbank|ApplyToParentElement=|TargetElementType=span|TargetElementId=|Key=Learn More#
Our Overdraft Plans for business banking give you a cushion to prevent you from bouncing checks or being penalized for overdrafts. Available funds can be automatically transferred to your business checking account in the event of an overdraft, giving you the peace of mind you need to operate your business. Explore our options for overdraft coverage below.
Overdraft Line of Credit8
With an Overdraft Line of Credit your checking account is linked to your overdraft line of credit. Funds are automatically transferred from your line of credit to cover your ATM withdrawals, debit card purchases, checks, and online bill payments when you don't have the necessary available balance in your checking account.
Note: Your line of credit may not be large enough to cover all withdrawals that have overdrawn your checking account that day. Once any single transaction exceeds your available line of credit, no additional transactions will be covered, even if there are available funds in your line of credit. Any transaction(s) in the checking account that cannot be covered by your line of credit will cause your account to become overdrawn.
|Borrowing limits||Up to $10,000|
Pay the greater of two amounts:
Savings Overdraft Transfer
With Savings Overdraft Transfer, your checking account is linked to your savings account. Funds are automatically transferred from your savings account to cover your ATM withdrawals, debit card purchases, checks, and online bill payments when you don't have the necessary available balance in your checking account.
Note: To use Savings Overdraft Transfer, you must have sufficient available funds in your linked savings account to cover all withdrawals that have overdrawn your checking account that day. If you do not, we will not transfer any funds. Items in the checking account not covered will cause your account to become overdrawn.
Explore our easy, safe, and convenient options for ordering business checks.#Json=Label_Lookup|Brand=citizensbank|ApplyToParentElement=|TargetElementType=span|TargetElementId=|Key=Learn More#
Whatever your business checking needs, our partnership with Deluxe makes the process safe and convenient. You may order your checks:
Online Through Deluxe Business Checks and Solutions:
(order directly with Deluxe, our preferred check provider)
(order checks through the Accounts Services section)
No matter which option you choose, be sure to select your check style and confirm the following:
Please note: If you would like to change a name or address on your checks, please visit a nearby branch or call 1-800-862-6200 to complete your order.
Choose a business card that works for you.
Business Credit Card#Json=Label_Lookup|Brand=citizensbank|ApplyToParentElement=|TargetElementType=span|TargetElementId=|Key=Learn more about#Learn More
Act now#Json=Label_Lookup|Brand=citizensbank|ApplyToParentElement=|TargetElementType=span|TargetElementId=|Key=Learn more about#Act now
Beginning the first day of the 7th billing cycle, purchase APRs are 11.99%, 16.99%, 19.99%, or 21.99%. This APR will depend on your creditworthiness and will vary with the market based on the Prime Rate.**
No annual fee.
|The zip code is out of our business area. However, if you are looking for a mortgage product, we do offer mortgages outside our business area in the Carolinas, Illinois and Virginia. For more information, please call one of our mortgage Loan Officers:|
Alexandria area 703-405-2104
Richmond area 804-935-2974