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International Services

Today’s fast-paced international economy requires rapid reactions to new opportunities. With Citizens Business Bank, you leverage a variety of resources to stay competitive and build your global business success. Citizens Business Bank provides a seamless response to your international banking needs. Your Citizens Business Banker, already familiar with your business practices and requirements, provides the gateway to letters of credit, collections and other vital services through correspondent banks worldwide.


Extending your domestic banking activities into the international arena, Citizens Business Bank saves you time and effort. You enjoy the prompt, knowledgeable, highly personal service your business deserves.

Commercial Letter of Credit

A Commercial Letter of Credit is a payment instrument issued by the Bank on behalf of the importer, which assures the seller that his drafts will be honored provided that the terms and conditions set forth in the loan agreement have been complied with. There are two basic types of credits:


Drafts that are
payable at sight


Drafts payable at some
future specified date

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Documentary Collections

Documentary Collections contain, in addition to the draft, shipping documents (e.g. Bill of Lading) which control title to the merchandise. Both the draft and the documents are forwarded to a correspondent bank for presentation to the overseas buyer. Title documents are to be released only after payment or acceptance of draft.


The Remittance of funds to another country for either business or personal reasons can be done in two ways; either by means of a draft or a payment order. Both can be issued in U.S. dollars or many foreign currencies. Payment orders are telegraphically transmitted. Cashier’s checks and money orders are to be used for domestic payments only and are not to be used for foreign payments.

Clean Collections

Clean Collections are checks or drafts in U.S. dollars or foreign currencies drawn on foreign banks, companies or individuals.

Letters of Credit and Collections

Letters of Credit and Collections are subject to the International Chamber of Commerce Publication in effect on the date of your relevant remittance letter.

Wherever in the world business takes you, make your first destination Citizens Business Bank. For more information about our International Banking services, please contact your Citizens Business Bank Banker or:

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