Business checking accounts

Explore our business checking account solutions and choose the account that's right for your small business.

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Clearly Better Business Checking®

A basic account with no monthly maintenance fees - ideal for smaller businesses with modest account activity.

Overdraft line of credit1
Yes

Monthly maintenance fee
$0

Included monthly transactions
Up to 200 check transactions per statement period at no charge, 50¢ per additional.

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Business Advisor Checking®

A relationship account that's perfect for businesses with average account activity.

Overdraft line of credit1
Yes, Annual Fee Waived

Monthly maintenance fee

  • $25
  • Waive the monthly maintenance fee when you either: Maintain a $10,000 average daily balance OR Maintain $35,000 in monthly combined balance2

Included monthly transactions
Up to 500 check transactions per statement period at no charge, 30¢ per additional.

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Citizens Analysis Business Checking

A comprehensive account designed exclusively for businesses with high-volume activity, providing access to a variety of cash management, merchant, and money movement services.

Overdraft line of credit1
Yes

Monthly maintenance fee

  • Review with a relationship banker for details.
  • Associated fees can be offset with Earnings Credit Rate3

Included monthly transactions
Review with a relationship banker for details.

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Features and benefits

Branches & ATMs

Visit us at over 1,000 branches at 3,000 ATMs.

Online and mobile banking

Save your business time, money and trips to the bank with our online and mobile banking services4.

Overdraft protection

Take control of liquidity on your accounts with our Business Overdraft Plans, including overdraft line of credit1 and no fee savings overdraft transfers.

Plus, with Business Overdraft Pass™ no Overdraft Fee will be charged on any overdraft item of $5 or less or when your account is overdrawn and the total overdrawn amount at the end of the same business day is $5 or less. Business Advisor Checking has coverage of $10 or less.5

Invoicing and accounting

Get paid faster. Invoice, track and accept payments6 without moving funds from other apps - you can get paid directly into your business checking account.

Plus, you can also simplify your accounting by automating bookkeeping entries and access financial reports in online banking. Add for only $9.99/month.7

Business Checking Frequently Asked Questions

Have More Questions? Get more answers in our Full FAQs section.

© Citizens Financial Group, Inc. All rights reserved. Citizens is a brand name of Citizens Bank, N.A. Member FDIC

All accounts, loans, and services are subject to individual approval. See a banker for details.

1 $30 annual fee, $12 transfer fee per day for each day a transfer(s) occurs, Interest on outstanding balances. $30 annual fee for Clearly Better Business Checking account and Citizens Analysis Business Checking account. Annual Fee waived for Business Advisor Checking account. Subject to credit approval.

2 Eligible balances for relationship pricing include most Business deposit, loan and investment accounts.

3 Earnings Credit Rate can be used on available balances to offset transactions fees. It applies to various balance tiers, and is established at the Bank's discretion and may be changed at any time.

4 Wireless carrier, text, and/or data charges may apply.

5 No Overdraft Fee will be charged on any overdraft item of $5 or less ($10 or less for Business Advisor Checking®) or when your account is overdrawn and the total overdrawn amount at the end of the same business day is $5 or less ($10 or less for Business Advisor Checking).

6 Incoming payments received using the optional digital invoicing feature will incur a 3.49% interchange fee for card payments and a 1.00% fee for ACH payments.

7 A monthly maintenance fee charge of $9.99 will be charged for those using the Online Accounting feature within Autobooks. Neither Citizens Bank, N.A., nor any of its subsidiaries or affiliates, is affiliated with Autobooks, Inc (Autobooks). The accounting services referenced herein are provided exclusively by Autobooks and are subject to customer's agreement to Autobooks' terms of use. Certain restrictions and fees apply. Citizens may be entitled to receive fees from Autobooks for customer's use of accounting services. Use of accounting services from any provider, including Autobooks, is solely at the customer's election. Autobooks may have a different Privacy and Security policy than Citizens Bank, N.A. You should review the Privacy and Security policies of the Autobooks website before you provide personal or confidential information.

 

Securities, Insurance Products, and Investment Advisory Services offered through CSI or by unaffiliated members of FINRA and SIPC that provide brokerage and custody services to clients of CFA (go tocitizensbank.com/wealth to see Clarfeld Financial Advisors, LLC’s Form ADV for details). CSI is an SEC-registered investment adviser and member of FINRA and SIPC. One Citizens Bank Way, JCB135, Johnston, RI02919. CSI is an affiliate of Citizens Bank, N.A. Please be aware that the securities products offered are different from those offered by a bank and are subject to investment risk, including possible loss of the principal amount invested.

 

Securities, Insurance Products and Investment Advisory Services are:
· NOT FDIC INSURED · NOT BANK GUARANTEED · MAY LOSE VALUE · NOT A DEPOSIT · NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY

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