Frequently Asked Questions: Business Banking

Citizens offers a couple of ways for you to begin the process of applying for a business banking account. Complete an online request and a banker will contact you or you can visit any Citizens branch.

Citizens has taken a number of steps to ensure the safety of your funds online. To learn more about how we secure your money and protect your privacy, look at our Safety and Security Measures page.

• Log in to Online Banking

• Call Citizens at 1-888-678-7100

• Find a branch.

You can transfer funds at ATMs, by calling 1-800-862-6200, or by using Online Banking.

We have partnered with Deluxe to provide safe and convenient options to order personal checks, Home Equity Line of Credit checks, or Personal Line of Credit 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.

Automatic payments provide a means for automatically scheduling payments in Pay Bills based on the options you select. Set up any vendor that you pay on a monthly basis to save you time and maximize your cash flow. You can set up two different types of automatic payments:

• Automatic Payment Schedules - You can set up an automatic payment schedule to pay bills of a set amount at regular intervals. For example, you can schedule a payment at the first of each month to pay your rent, utilities, and vendors. This type of automatic payment is always available to you, regardless of whether you receive electronic bills from the biller or whether the biller lets you pay your electronic bills automatically.
• Automatic Payments for Electronic Bills - If you receive electronic bills, some billers let you set up options for paying them automatically. You can decide whether to always pay the amount due or to set a limit on the amount for automatically paying the bill. You can also decide whether to make the payment on the due date or on the earliest date available after you receive the bill. This way you have more control over your cash flow.

Mobile deposit is a convenient feature of the Citizens Mobile Banking App that makes it simple to quickly and securely deposit checks using your smartphone or tablet. You just take a photo of the front and back of your check and follow the clear instructions that you'll see on-screen.

If you have an ATM/debit card, you can sign up online. You'll be asked to supply your card number and PIN, along with a Citizens account number. If you do not have an ATM or debit card, call us at 1-877-229-6428 to sign up.

You can begin using Online Banking immediately after signing up for your business banking account.

You can review account history and current transactions; transfer funds between accounts; place stop payments; request copies of statements; set up multiple users with different levels of security access, schedule and payments; view images of cleared checks; download account data; and much more.

Automatic payments provide a means for automatically scheduling payments in Pay Bills based on the options you select. Set up any vendor that you pay on a monthly basis to save you time and maximize your cash flow. You can set up two different types of automatic payments:

• Automatic Payment Schedules - You can set up an automatic payment schedule to pay bills of a set amount at regular intervals. For example, you can schedule a payment at the first of each month to pay your rent, utilities, and vendors. This type of automatic payment is always available to you, regardless of whether you receive electronic bills from the biller or whether the biller lets you pay your electronic bills automatically.
• Automatic Payments for Electronic Bills - If you receive electronic bills, some billers let you set up options for paying them automatically. You can decide whether to always pay the amount due or to set a limit on the amount for automatically paying the bill. You can also decide whether to make the payment on the due date or on the earliest date available after you receive the bill. This way you have more control over your cash flow.

You can pay almost any vendor and anyone in the United States: national bank card companies, mortgage or auto loan companies, suppliers, or utility providers. Any company or individual to which you could send a check for payment is eligible for payment through Online Bill Payment. Set up new payees at any time.

Please note that individuals or businesses residing outside the United States are not eligible for bill payment. In addition, bill payments for tax payments or court-ordered payments are prohibited.

Once you are signed up for Online Banking, you can set up a payee at any time.

Citizens has taken a number of steps to ensure the safety of your funds online. All business banking account information entered and displayed online is maintained on a secured database encrypted using Secure Socket Layer (SSL) technology. We also protect information stored in our database by hardened connections called firewalls. Only those devices authorized to communicate with the database can make a connection to the database. To learn more about how Citizens secures your money and privacy look at our Safety and Security Measures page.

Online: Fill out our short online form and a Citizens Business Banking Specialist will contact you whenever is most convenient for you.

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. ET. Call 1-888-678-7100.

At the branch: Speak to a dedicated Business Banking Specialist who can answer your questions and review your business 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.

Our online Branch/ATM Locator will provide you with the hours of operation, address information, and the phone number of the Citizens branches closest to you.

Simply call us at 1-888-910-4100, visit any Citizens branch, or make a request through the service center.

There are no application fees for applying.

Unfortunately, you will not be able to save your input into the application for completion at a later time. Please review the items you will need on the "Getting Started" page before starting the application.

This online application is for business credit cards up to $25,000. If your needs are greater than $25,000, please set up an appointment to meet with a Relationship Manager.

Please call our Business Direct Lending group at 1-866-248-4936. We can help walk you through any questions you have before or during the application process or any specific questions you have around fields within the online application. We can also take the application over the phone if you are having difficulties online.

Citizens can certainly help you with an application but because additional financial information will be needed, please set up an appointment to meet with a Relationship Manager.

This online application is for new business credit card submissions only. If you’d like to increase your credit line, please set up an appointment to meet with a Relationship Manager.

Yes, 100% of the owners of the business must be included in the application. Please refer to the items you will need on the “Getting Started” page to ensure you have co-owner information needed. For ease of entering the application, if you do not have the Driver’s License information for all of the co-owners, you can leave those fields blank and we can call after application submission to get that information from you or your co-owners.

In most cases, we will make a decision in 2 to 3 business days. However, if there is additional information we need from you, it may take longer.

Yes, we utilize the highest form of Internet security technology. This ensures that the private and personal information you are submitting remains secure and confidential.

Yes, after you submit your application, a confirmation page will appear on your screen. It may take a few moments, so please do not interrupt your browser during this process.

If there is any missing information in the application, such as co-owner driver’s license information, our Business Direct Lending team will call you to obtain that information over the phone. We may also call you in certain circumstances where your existing business credit relationship with the bank requires that we obtain the first page of your signed tax returns, 4506T or financials.

If you are approved, we will send an email to the email address provided in the owner section of the application. If we are unable to approve your application at this time, you will receive a letter in the mail providing the reasons why we could not approve your application.

You will receive your plastic(s) in the mail within 7-10 business days followed by a PIN mailer needed for transactions at an EMV chip reader.

Of course, we would be happy to take your application over the phone. Please call 1-866-248-4936 for business credit card applications.