Business Banking

Your company is only as strong as its cash flow. Citizens Business Bank has the experience and knowledge to help you manage your cash more efficiently and increase your profitability.

Account List

Business Checking

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A business checking account for small to medium to large size businesses with an average amount of activity.

Features: This account allows up to 150 debits, 25 deposits and 250 deposited items per month; up to 50 electronic credits; and up to $5000 currency deposited/furnished.

Excess fees: $.30 per debit; $2.00 per deposit; $.15 per deposited item and $2.00/$1,000 currency deposited/furnished; and $0.25 per electronic credit.

Interest: None.

Monthly Service Charges: No charge with a $6000 minimum daily balance, or $12,000 or more average daily balance. Otherwise, $18.00 per month.

Business Checking Discounts: 50% discount off the regular monthly fee for: Business Online Banking; Positive Pay-Checks and ACH Electronic Debit and Credit Activity; Citizens Automated Deposit.

TTAXplus - flat monthly fee of $5.00

Business Savings

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An interest-bearing account for the any business entity. This account may be linked to a checking account with like names to ensure overdraft protection.

Analyzed Business

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A business checking account for medium to large size businesses with a high amount of activity.

Investment Checking

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An interest-bearing checking account designed for the individual, sole proprietor, or certain non-profit businesses and government agencies.

Premium Money Market

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A tiered-rate, interest-bearing, limited transaction, checking account for businesses who want limited check writing capabilities.

Safe Deposit Boxes

Safe Deposit is a service whereby the Bank grants the customer exclusive access to a box housed in a private section of its vault for storage and protection of personal items.

Safe Deposit Boxes are available to any Citizens Business Bank customer with documents, valuables or other possessions that need to be protected from theft and fire.

Safety. Protects documents, valuables and other important possessions.
Privacy. Confidential reviewing of valuable documents and important papers.
Security. Exclusive access.
Variety. Safe deposit boxes come in various sizes at various prices.

Business Certificates of Deposit

An investment on which the bank pays a particular rate for a specific term (days, months, or years). Deposits may be issued in either fixed-term or auto renewable term. Interest is compounded daily and paid monthly, quarterly or at maturity.

This is available to Corporations, proprietorships and unincorporated business associations interested in a specified term, competitive rate and secure investment.

Safe, secure and flexible. Enjoy the protection of Citizens Business Bank.
Principal and interest guaranteed.
Flexible. Customer determines maturity date and interest payment option to meet his own cash flow needs.
Qualified collateral for any borrowing requirement.
Investment may be made in any amount of $2,500 or more.
Interest is compounded daily and paid monthly, quarterly, or at maturity.
Customers have the option of having their interest credited to another Citizens Business Bank account, mailed to them in the form of a check or added to the principle balance.
A penalty may be imposed for early withdrawal of any or all of the deposited funds before the maturity date.

Minimum Opening Deposit of $2,500
No charge if certificate is held until maturity. If not, 90 days of interest is deducted as a penalty.

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