Features and Benefits
View and download detailed account documents here:
Clearly Better Business Checking® Frequently Asked Questions
Citizens offers a couple of ways for you to begin the process of applying for a business banking account. You can apply online or schedule an appointment.
With the Clearly Better Business Checking account, you can have up to 200 check transactions per statement period at no charge, 50¢ per additional.
Online: Utilize our comparison page. This can help you identify which accounts are best suited to your needs and goals.
By Phone: Speak to a Business Banking Specialist – Monday through Friday, 7:00 a.m. to 7:00 p.m. ET and Saturdays, 9:00 a.m. to 5:00 p.m. EST. Call 1-888-678-7100.
At the Branch: Speak to a dedicated Business Banking Specialist who can answer your questions and review your needs. Find a branch near you.
At Your Business: Set up an appointment to have a Business Banking Specialist come to your business and review the best products for your needs. Call 1-888-678-7100.
Depending on the type of your business, you may need different materials to open your account. Visit our opening a business account checklist to get started.
Our customers value our small business debit card for the following features:
Convenience
- Use your debit card for everyday purchases at millions of locations worldwide
- Make purchases and get cash back using your PIN at participating retailers
- No minimum purchase required
- Purchases are automatically deducted from your checking account
- Make no-fee balance inquiries, deposits and cash withdrawals, payments and transfers at any Citizens ATM.
Security
- Zero Liability protection against unauthorized purchases7
- Proactive fraud monitoring
- A safer alternative to cash
- Chip Technology enabled cards.
Control
- View recent transactions, balances and monthly statements 24/7 with online and mobile banking2
- Set up recurring payments to avoid late fees
- Get additional company debit cards for your employees, and assign specific card functions and banking responsibilities
- Set up Online Banking alerts to keep track of your debit spending2
Whatever your business checking needs, our partnership with Deluxe makes the process safe and convenient. You may order your checks:
By phone: 1-800-231-9915
Online: Deluxe Business Checks & Solutions (order directly with Deluxe, our preferred check provider)
Online Banking: Log In| Enroll (order checks through the Business Accounts Services section)
In person: Find A Branch
When you place your order using any of these convenient options, be sure to select your check style and confirm the following:
- Name and Address
- Routing Number
- Account Number
- Check Starting Number
Please note: If you would like to change a name or address on your checks, please visit a branch near you or call us at 1-800-862-6200 to complete your order.
Your checks will be sent in a new, flat package designed by Deluxe to accommodate new postal automation and keep delivery costs to a minimum. The new packaging is a streamlined blue envelope that is ¾ of an inch thick.
Inside you will find a flat, easy-to-assemble box where you can store your checks as you did with the former packaging. Be sure to organize your checks in sequential order. The new packaging keeps delivery costs low while maintaining the security and quality we're committed to providing.
© Citizens Financial Group, Inc. All rights reserved. Citizens is a brand name of Citizens Bank, N.A. Member FDIC
1 Mobile Deposit account eligibility requirements, deposit limits and other restrictions may apply. Data use fees may apply. Please refer to the Mobile Deposit Service Agreement for more information: https://www.citizensbank.com/mobile-and-online-banking/service-agreement.aspx
2 Wireless carrier, text and/or data charges may apply. Banking fees may apply.
3 Subject to credit approval.
4 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).
5 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.
6 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.
7 Citizens Zero Liability policy covers U.S.-issued cards only. Does not apply to ATM transactions, PIN transactions not processed by Mastercard, or certain commercial card transactions. Individual provisional credit amounts are provided on a provisional basis and may be withheld, delayed, limited, or rescinded by your issuer based on factors such as gross negligence or fraud, delay in reporting unauthorized use, investigation and verification of claim and account standing and history. Cardholder must notify Citizens immediately of any unauthorized use. Transaction at issue must be posted to your account before provisional credit may be issued. For additional information, please visit our Citizens Zero Liability page.