Heartbleed Internet Bug
Citizens Bank is aware of the “Heartbleed” internet bug that has been widely reported in the media. Protecting your confidential information is one of our top priorities. Please rest assured that we are addressing this issue, and if any vulnerabilities are discovered, that we will let you know and they will be dealt with as quickly as possible. We can confirm that our Online Banking system has not been affected by the Heartbleed bug. Your Online Banking information is and has been secure. Your Online Banking username and password have not been compromised. If you have any questions or concerns please feel free to contact us. Further updates will be posted on our website as appropriate.
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Business Accounts
Business AccountsBusiness Builder CheckingEnterprise Checking Money Market Account
Minimum Opening Deposit$50.00$0$2,500.00
Minimum balance to obtain APYN/A$2,500$2,500.00
Interest PaidNoYesYes on a tiered basis
Transaction ChargesFirst 300 debits and credits (items deposited) free, $0.25 charge over 300First 55 deposit items free per month; $0.15 charge over 55. First 30 debits free per month; $0.25 charge over 306 debits per month. Exceeding 6 debits per month, there is a $10 monthly charge.
Monthly Service ChargeFree with eStatement enrollment or $5.00 monthly service chargeFree with minimum ledger balance of $2,500 or $12 monthly service chargeFree with minimum ledger balance of $2,500 or $12 monthly service charge
Other available features:
eStatementsavailableavailableavailable
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Business Builder
The business checking account that works for you. At its foundation, it’s a robust checking account that meets your deposit and transaction needs. This business checking account features a generous amount of transactional items and convenience services. Accessible online 24 hours a day, this checking account offers:
• No minimum balance.
• No charge for first 300 items ($0.25 charge for each item over 300) – Items defined as debits and credits (items deposited), excludes electronic deposits.
• $5.00 monthly service charge waived with enrollment in eStatements. Electronic Statements provide security, safety and convenient filing.
• eCorp for our internet banking for business, allows you to access and control your accounts 24/7.
• Business Bill Pay is available to save you postage, checks and time. You are allowed up to ten (10) transactions with no fee per month. After ten, each transaction thereafter is $1.00.
• Accessing your funds is simplified with the Business Debit Card. You can allow employees to use one while controlling the funds. Accepted worldwide by businesses that accept Visa, you don’t have the added hassle of a credit card since the funds come straight from your checking account.
• Night depository service with no annual fee.

With Business Builder, we offer customizable financial tools that build your business. The tools include:
• cash and deposit handling services.
• electronic bill pay and check collection options.
• merchant card services.
• accounts for investing your excess funds for greater earnings.
• loans and other financial options.

Enterprise Checking
Available to sole proprietorships, individuals and non-profit organizations.
Interest starts accruing on $2,500 minimum balance and above. Rates are subject to change.
Minimum ledger balance: $2,500.
Below the required minimum, there is a monthly service charge of $12.
First 55 deposit items free per month; $0.15 charge over 55. First 30 debits free per month; $0.25 charge over 30.

Money Market Account
Available to businesses sole proprietorships, and non-profit organizations.
Interest is paid on all balances and is compounded daily, paid monthly. Rates are subject to change.
Minimum ledger balance: $2,500.
Below the required minimum, there is a monthly service charge of $12.
Debit transactions are limited to six (6) per month. Over six, there is a $10 monthly fee.

Other Business Deposit Services

Account Analysis
Business Analysis Checking is designed for businesses with high transaction activity. This account is the ultimate cash management tool. Account holders earn a credit based on balances maintained in their account each month; this credit is used to offset monthly activity costs. $12.00 monthly service charge.

Business Bill Pay
Ability to pay the occasional bill electronically. $1.00 per payment after 10 payments.

Merchant Services
Allows business customers the ability to accept payment with credit, debit and gift cards.



Watch our Online Business Banking Tools video - click here