Checking, Deposit, & Liquidity

Whether you are a small to medium-sized business, sole proprietor, nonprofit, or government agency, Citizens Business Bank offers the comprehensive business checking solutions you need, including Analysis Business Checking, Investment Checking, and noninterest-bearing Business Checking.

Put your idle checking account balance to work for you. With a Sweep Manager Account, excess funds are automatically managed to improve profitability by earning interest on idle money, provide daily liquidity, and give you peace of mind knowing your balances are safely and efficiently managed (Not FDIC Insured – No Bank Guarantee – May Lose Value).

The Premium Money Market is a tiered-rate, interest-bearing, limited transaction account for businesses that require only limited check writing capabilities.

Maximize control of your balances with a Zero Balance Account (ZBA). A ZBA enables you to designate one master account with multiple subsidiary accounts, effectively allowing you to consolidate your multiple account balances to a ZBA, the one master account. We will then automatically transfer available/collected funds from the master account to your subsidiary ZBA accounts for designated payments.

With a Certificate of Deposit (CD), you get a safe, secure, and flexible way to save and invest for the future of your business. Citizens Business Bank pays a particular rate for a specific period of time (days, months, or years), but you determine the maturity date and interest payment option to meet the cash flow needs of your business.

Get a guarantee of FDIC insurance* coverage protection on Certificate of Deposit (CD) investments with CDARS®, the Certificate of Deposit Account Registry Service (*up to FDIC allowed limits).

Get your company savings plan started today with unlimited withdrawals and savings overdraft protection. Benefit from the ability to transfer from the account to another account with the same ownership. You can also have up to six (6) preauthorized, automatic, check, draft, debit card, or similar transaction per monthly statement cycle.

Effective May 11, 2018, new rules under the Bank Secrecy Act will aid the government in the fight against financial crimes and other national security threats. Under these new rules, it is now required to provide identifying information for all Beneficial Owners each time an account is opened for a covered Legal Entity.