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HealthCare Practice Banking

Choose to work with a bank that understands your healthcare banking needs

After years of working closely with our healthcare clients, we’ve come to understand the unique challenges of medical, dental, and eye care practices. Our healthcare practice banking specialists take an integrated approach, customizing solutions designed to help you build and grow your practice.

FOR YOUR PRACTICE

HEALTHCARE PRACTICE FINANCING

Address both your short-term working capital needs and your long-term investments with up to 100% financing options and up to 10-year terms.

  •     Term Loan

        Refinance existing debt. Finance permanent working capital, practice acquisitions,
        relocations and expansions, practice start-ups (dental only), or equipment.

  •     Line of Credit

        Manage cash flow and fund short-term expenses.

  •     Business/Equipment Flex Loan

        Purchase multiple assets such as equipment, furniture, and computers
        over time with a single loan.

  •     Commercial Mortgage

        Purchase or refinance owner-occupied commercial real estate. SBA options available.

Want to learn more? Schedule a consultation

BUSINESS CHECKING

Our business checking accounts include a wealth of tools and services designed to meet the financial needs of your practice.

  •     Online and Mobile Banking

        Manage your accounts and deposit checks from virtually
        anywhere with Citizens Bank Mobile Deposit™.

  •     Remote Deposit

        Reduce prep time, save bank trips, and get quicker access
        to funds with E-Z Deposit® desktop check deposit service.

  •     accessMONEY Manager™

        Get a 360° view of all of your account details to facilitate
        account reconciliation, reporting, and more.

  •     Overdraft Protection Plans

        Protect your business by preventing overdrafts and related fees.

  •     Electronic Payments

        Pay securely via Automated Clearing House (ACH) deposits to reduce errors.

Want to learn more? Schedule a consultation

BUSINESS CREDIT CARD

Our Everyday Points® Business MasterCard® offers a convenient and secure way to make business purchases, track expenses, and manage cash flow. It also comes with accessCARD Command™, a no-cost, spend control feature.

CARD ACCEPTANCE

Offer your clients credit or debit card payment options through our Citizens Bank Merchant Services, and you’ll be credited with their payments within 24 hours.

Want to learn more? Schedule a consultation

PAYROLL SERVICES

Streamline practice management with services like timely, accurate payroll processing and tax administration through Paychex®

Want to learn more? Schedule a consultation

FOR YOU

EDUCATION REFINANCE LOAN

You may be able to reduce your interest rate and lower monthly payments by an average $127 per month1 with our student loan refinancing and consolidation services. We offer fixed and variable refinance options, and do not charge any application, origination, or disbursement fees on our Education Refinance Loan.

DOCTOR LOAN MORTGAGE PROGRAM

This special mortgage program for licensed physicians and dentists makes it easy to finance your new home. The Doctor Loan2 is available for purchases of primary residences and features:

  •     Up to 89% financing with no mortgage insurance
  •     $1 million maximum loan amount
  •     A choice of fixed-rate or adjustable-rate mortgage
  •     An interest-only option on select adjustable-rate programs
  •     Construction-to-permanent financing eligibility

PERSONAL CHECKING

As a healthcare practice owner, you are eligible for a Circle Gold Checking with Interest® account with no monthly maintenance fee3 as part of our Professionals First program, plus these benefits:

  •     Debit Card with no annual fee
  •     Online and Mobile Banking with Bill Pay
  •     Overdraft Plans

Want to learn more? Schedule a consultation

WEALTH MANAGEMENT SERVICES

Our Citizens Wealth Management4 team can help you with wealth strategies that suit a variety of needs, from college savings to retirement income planning. Learn more about our range of products and services in the following areas:

  •     Premier Banking – Banking and lending solutions
  •     Investment Services – Brokerage and insurance services
  •     Private Bank and Trust – Banking, lending, and asset management

FOR YOUR EMPLOYEES

YOUR PLACE BANKING

Increase productivity, employee satisfaction, and retention by bringing banking benefits and financial education right to your employees at no cost to you. Benefits include:

  •     Worksite Financial Education – Brings educational talks on various financial-related topics right
        to your practice
  •     Personal Financial Reviews – Helps your employees understand their debt situations and evaluate
        their preparedness for savings needs.
  •     Financial Planning Tools – Empowers your employees to plan for the future and realize
        their savings goals.
  •     Cash Savings Rewards – Provides an incentive for employees to achieve their savings goals.

Want to learn more? Schedule a consultation

EMPLOYEE BENEFITS

Partner with Citizens to offer additional banking benefits to your employees.

  •     Employer-Sponsored Retirement Plans – Provide your employees with a retirement plan that meets         their needs and the needs of your practice
  •     Financial Planning Tools – Empowers your employees to plan for the future and realize their
        savings goals.

Interested in speaking with one of our healthcare practice banking specialists about custom solutions for your practice?

Related Features

 

 

Speak to a
Business Banking Representative

1-800-4BUSINESS

(1-800-428-7463)



Schedule a Consultation

To connect with a Business Banking Representative, please complete a quick form and we will contact you within one business day.

Find a Local Branch
Over 1,100 branches close by.

 

1 Average savings are calculated using the 2014/2015 Award Year Federal Direct PLUS Loan program reporting (as of 2/2015 not including Grad PLUS) of originations of ~$9.4 Billion to 608,991 borrowers through 643,152 loans with an average loan size of $14,624.12.

2 Mortgages and Home Equity Loans are offered and originated by Citizens Bank, N.A. (NMLS ID# 433960).

3 Circle Gold monthly maintenance fee waived for owners of qualifying business accounts – other fees may apply.

4

Citizens Wealth Management is comprised of both banking and brokerage affiliated companies.

 

Banking products are offered through Citizens Bank. Citizens Bank is a brand name of Citizens Bank, N.A. and Citizens Bank of Pennsylvania. Deposit accounts held at Citizens Bank, N.A. and Citizens Bank of Pennsylvania are separately insured, Member FDIC. 

 

Securities, Insurance and Investment Advisory Services are offered through Citizens Securities, Inc. otherwise referred to as Citizens Investment Services. Citizens Securities, Inc. Member FINRA, SIPC.

 

Citizens Securities, Inc. is an affiliate of Citizens Bank, N.A. and Citizens Bank of Pennsylvania. Please be aware that the security products offered are different than those offered by a bank and are subject to investment risk, including possible loss of principal amount invested.

 

Citizens Securities, Inc. 770 Legacy Place, MLP240, Dedham, MA 02026. 1-800-942-8300.