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Business Checking

Find a business bank account that checks the right boxes for your business.

Financial profiles vary from business to business. That’s why we have a diverse range of business checking accounts tailored to the specific needs of both businesses and nonprofit organizations. All our small business checking solutions are designed to help you manage your business finances more easily, providing you with personal service attuned to your goals.

Questions?Ask a Citizen.

Clearly Better Business Checking®

No maintenance fee. No minimum monthly balance. This basic account meets the needs of most smaller businesses, and includes the first 200 check transactions (checks deposited, paid or cashed) per statement period at no charge and unlimited electronic transactions. You'll also get a free business debit card and the option to receive additional cards for your employees.

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Minimum balance to open

Any Amount

Monthly maintenance fee

$0

Business Advisor Checking®

Attuned to the needs of your expanding business, this business checking account includes the first 500 check transactions (checks deposited, paid or cashed) per statement period at no charge, $100 off your first order of checks, a 10% discount on payroll services with Paychex®, and a business credit card with no annual fee. Business Advisor Checking is a relationship account, which means that the combined balances of your loans and deposit accounts with us make it easier to meet the monthly balance needed to avoid maintenance fees.

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Minimum balance to open

Any Amount

Monthly maintenance fee

$25

Waived with $10,000 average daily account balance or with $35,000 monthly combined balance.3

Citizens Analysis Business Checking

This comprehensive analysis business checking account is the best choice for businesses that benefit from cash management solutions. Tools like electronic payments (ACH and wires), sweeps, and E-Z Deposit® help you manage and monitor high-volume account activity. And you can use earnings credit to offset other transaction costs.

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Minimum balance to open

Any Amount

Monthly maintenance fee

$20

Clearly Better Business Checking®

Business Advisor Checking®

Citizens Analysis Business Checking

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Accommodates small businesses with modest monthly account activity, offering up to 200 items per statement cycle at no charge and unlimited electronic transactions.

A relationship account for businesses with greater monthly account activity, offering 500 items per statement cycle at no charge and advanced tools for managing a growing business.

A comprehensive analysis checking account for businesses with high-volume account activity providing access to cash management services, ACH, transfers, sweeps, wires, and more.

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Monthly Maintenance Fee None $25 $20
How to Waive Monthly
Maintenance Fee
N/A $10,000 average daily balance -OR-
$35,000 monthly combined balance.3
Monthly Maintenance Fee cannot be waived; however, the cost of this fee can be offset using an Earnings Credit (ECR).
Included Monthly Transactions Up to 200 check transactions per statement period at no charge, 50¢ per additional. Up to 500 check transactions per statement period at no charge, 30¢ per additional. N/A
Minimum Balance to
Open
Any Amount Any Amount Any Amount
Savings Overdraft Transfer1 and Overdraft Line of Credit2
Annual Fee Waived for Overdraft Line of Credit

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