Customized Cash Management solution to fit your business.
accessOPTIMA® is a sophisticated cash management platform designed to handle high volumes of incoming and outgoing payments. Access advanced ACH options, wire transfers, payment automation, real-time payments, international banking and more! You also could add and manage multiple users.
Transactions
Manage a wide range of transactions.
- Initiate, schedule and approve various domestic and international payment types
- Make Positive Pay decisions to confirm authorized payments and protect against fraud
- Access multiple report types and view images of checks paid, deposit ticket and returned deposited item
Money Movement
Easily move money on your accounts.
- Real-Time Payments (RTP) let you send and receive money immediately
- Domestic, international and same day ACH Debit
- Domestic and international Wire transfers
- Unlimited mobile check deposits
Secure Technology
Protect your company from fraud and cybersecurity threats.
- Multifactor authentication
- RSA SecurID® token(s)
- 1024-bit SSL encryption
Services available with accessOPTIMA
Learn more about the ala carte services you can build into your custom cash management platform.
International Banking and Foreign Exchange
Growing your business often means expanding internationally, but that can bring added risk. Our Foreign Exchange Specialists can provide risk management services, cross-border payments, foreign currency accounts (FCAs) and a foreign exchange trading platform.
Disbursement Services
Efficient, reliable, and secure payments—made easy. Make payments efficiently and securely, streamline account reconciliation, and expedite disbursements.
Professional Collection Services
Our comprehensive suite of collection services including, lockbox and coin and currency services, make cash management fast, easy, and accurate.
Positive Pay
Whether you or other employees pay by check or electronically via ACH, you can use our Positive Pay service to complement the internal security measures you take to ensure that only authorized payments are made from your account.
Sweep Services
Invest excess cash balance automatically to maintain optimal liquidity—and make your money work harder for you.
Citizens EZ Deposit®
Run your business without running around. Gain faster access to funds with ability to scan checks, money orders, travelers’ checks and other paper-based payments using your scanner, PC, or smartphone.
Ready to take the next step?
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Please note: Citizens Business Banking Products and Services are offered in the following states: Connecticut, Delaware, Florida, Maryland, Massachusetts, Michigan, New Hampshire, New Jersey, New York, Ohio, Pennsylvania, Rhode Island, Vermont, Virginia and Washington, D.C.
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