Business professionals looking at a tablet

Business Checking Accounts

On this page:
  • Find the checking account that's right for your business
  • Protect your business funds and your future with Positive Pay
  • Discover tools to ease payments and cash flow


Meet your new business checking account.

It gets your customers’ payments. It pays your bills and your employees. Your checking account is the heart of your company’s finances – making a good fit oh-so important. Let us find the account that’s right for your business.
When you're ready to open an account, request an appointment or contact a Business Relationship Specialist.

Business Venture

Ideal for start-up or low-volume businesses.
  • Minimum Deposit to Open: $100
  • Minimum Balance: $100
  • Free Business Debit Card
  • Free e-Statements
  • Other Benefits: Up to 25 debit transactions free per statement cycle
Account Details

Business Advantage

Built for companies with a complete banking relationship.
  • Minimum Deposit to Open: $100
  • Relationship Requirement: $10,000 in total business deposits or $50,000 in total business loans
  • Free Business Debit Card
  • Free e-Statements
  • Cash Back Rewards: $0.10 per non-PIN debit card purchase
  • Other Benefits: No account transaction limits
Account Details

Business Premier

Created for businesses to offset fees with credits.
  • Minimum Deposit to Open: $100
  • Minimum Balance: None
  • Earns Interest: Earnings credit
  • Free Business Debit Card
  • Other Benefits: Free paper statements plus up to $50 off first check order
Account Details










Protect your account with Positive Pay.

Account fraud is on the rise, and businesses are often the target. That's why we recommend each business checking account be protected by Positive Pay. An automated tool that safeguards against two of the most common types of fraudulent transactions -- Check and ACH -- Positive Pay stops unauthorized transactions so funds don't disappear from your account. Find it in the Cash Management suite.
















Keeping you and your business funds connected.

Nothing goes with a Citizens Bank Business Checking Account like Citizens Bank's Digital Banking.
 

Citizens Bank Visa® Business Debit Card

Citizens Bank business debit card image
Get paid to use it with our Business Advantage Checking Account, and stay in full control with the Card Management tool in Digital Banking! Get a card today at any Citizens Bank branch.
 

More ways to use your new account:

 
  • Business Services
Maximize your cash flow with our full Cash Management suite, where you can assign varying levels of controls to employees.
 
 
  • Digital Payments
Use the Pay feature in Digital Banking to set up one-time or recurring payments to anyone from the utility company to your suppliers. 
 
 
  • ATM Withdrawals
Sometimes, you need cash. Enjoy free withdrawals at Citizens Bank ATMs plus over 800 surcharge-free ATMs in the ATM Access network.*
 
 
    • Personalized Business Checks
Through our relationship with Deluxe, online check orders (new or reorders) can be placed quickly and easily.
 
 
 
* Withdrawals at ATMs not owned by Citizens Bank will be assessed a $2/transaction fee. Additional fees may be imposed by other ATM owners.
Woman flipping here sign to open
Overdraft Protection.
Because oops, it happens.
It happens to the best of us. A forgotten automatic withdrawal, a delayed deposit - and suddenly, your balance is in the negative. Discover ways to protect your account.
 
Overdraft Sweep
Link your business checking account with a Citizens Bank business savings or money market account, and funds will automatically transfer to cover a negative balance in your checking account.
 
Overdraft Protection Line of Credit
Apply for this special line of credit that advances funds directly to your business checking account and allows you to pay it back later.
Backing for your business.
Find a Business Banking expert ready to partner with you and go the extra mile.