A simple checking account for small businesses: No minimum monthly balance. No monthly maintenance fee.
Visit us at over 1,000 branches at 3,000 ATMs.
Save your business time, money and trips to the bank with online and mobile banking services, including Mobile Deposit,1 Online Bill Pay and Account Management Tools.2
Take control of liquidity on your accounts with our Business Overdraft Plans, including overdraft line of credit3 and no fee savings overdraft transfers.
Plus, with Business Overdraft PassTM, small overdrafts of $5 or less get a pass.4
A fast, secure way to make purchases and access your money anytime, anywhere.
Get paid faster. Invoice, track and accept payments5 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.6
Online: Utilize our comparison page. This can help you identify which accounts are best suited to your needs and goals.
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. EST. Call 1-888-678-7100.
At the Branch: Speak to a dedicated Business Banking Specialist who can answer your questions and review your 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 customers value our small business debit card for the following features:
Convenience
Security
Control
Whatever your business checking needs, our partnership with Deluxe makes the process safe and convenient. You may order your 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:
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.
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
1 Mobile Deposit account eligibility requirements, deposit limits and other restrictions may apply. Data use fees may apply. Please refer to the Mobile Deposit Service Agreement for more information: https://www.citizensbank.com/mobile-and-online-banking/service-agreement.aspx
2 Wireless carrier, text and/or data charges may apply. Banking fees may apply.
3 Subject to credit approval.
4 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).
5 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.
6 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.
7 Citizens Zero Liability policy covers U.S.-issued cards only. Does not apply to ATM transactions, PIN transactions not processed by Mastercard, or certain commercial card transactions. Individual provisional credit amounts are provided on a provisional basis and may be withheld, delayed, limited, or rescinded by your issuer based on factors such as gross negligence or fraud, delay in reporting unauthorized use, investigation and verification of claim and account standing and history. Cardholder must notify Citizens immediately of any unauthorized use. Transaction at issue must be posted to your account before provisional credit may be issued. For additional information, please visit our Citizens Zero Liability page.