Business Accounts
Checking Accounts
Choose a Citizens Bank checking account to help manage the purchases and expenses for your business. Use your debit card to conveniently make purchases online or anywhere you go.
Regular Checking
Benefits
Choose from convenient, free monthly e-statements or paper statements. Manage your account any time online, through our mobile app, or by telephone. Overdraft protection is also available for this account.
Terms & Conditions
- The monthly service fee is waived when the balance is $500 or more every day during the statement cycle.
- A $5.00 dormant account fee will be charged each statement cycle if you have made no deposits or withdrawals to the account for 365 days and the balance is $500.00 or less.
- Statements are provided monthly.
- $12 annual debit card fee
- With mobile banking, fees from your mobile or data carrier may apply.
- Optional overdraft protection. See the Overdraft Privilege Disclosure for terms and limitations.
- Additional services may incur service fees.
Interest Checking
Benefits
Gain the convenience of a checking account while earning interest on your balance. Choose from convenient, free monthly e-statements or paper statements. Manage your account any time online, through our mobile app, or by telephone.
Terms & Conditions
- The monthly service fee is waived when the balance is $1000 or more every day during the statement cycle.
- A $5.00 dormant account fee will be charged each statement cycle if you have made no deposits or withdrawals to the account for 365 days and the balance is $500.00 or less.
- The interest rate is a variable rate and we may change the interest rate on your account at anytime.
- Interest is compounded monthly using the Average Daily Balance method.
- The Average Daily Balance method applies a periodic rate to the average daily balance in the account for the period. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period. The period used is the monthly statement cycle.
- Statements are provided monthly.
- $12 annual debit card fee
- With mobile banking, fees from your mobile or data carrier may apply.
- Additional services may incur service fees.
Savings Accounts
With a Citizens Bank savings account, you can help your revenue grow and be prepared for times when unexpected expenses arise.
Passbook Savings
Benefits
Enjoy an interest bearing savings account with convenient online and mobile banking, your choice of paper or e-statements, and no monthly service fees!
Terms & Conditions
- Statements are provided quarterly.
- Interest is compounded quarterly using the Daily Balance method which applies a daily periodic rate to the principal in the account each day.
- The interest rate is a variable rate and we may change the interest rate on your account at anytime.
- Must maintain a minimum balance of $100.00 in the account each day to obtain the disclosed Annual Percentage Yield.
- A $5.00 dormant account fee will be charged each statement cycle if you have made no deposits or withdrawals to the account in 3 years and the balance is $500.00 or less.
- Limited to 6 withdrawals or transfers per month.
- Limited withdrawals or transfers include transfers to another account of yours or to a third party by means of a preauthorized or automatic transfer or telephone order or instruction, computer transfer, or by check, draft, debit card, or similar order to a third party per month.
- An excess debit charge of $1.00 will be charged for each withdrawal in excess of 4 per month.
- With mobile banking, fees from your mobile or data carrier may apply.
- Additional services may incur service fees.
Investment Accounts
Maximize your investment with a Citizens Bank Money Market account.
Access Plus - Money Market Deposit Account
Benefits
Maximize your earnings with this account’s tiered interest rates, earning more interest with larger balances.
Terms & Conditions
- The monthly service fee is waived when the balance is $2,500 or more every day during the statement cycle.
- Statements are provided monthly.
- The interest rate is a variable rate and we may change the interest rate on your account at anytime.
- A $5.00 dormant account fee will be charged each statement cycle if you have made no deposits or withdrawals to the account for 365 days and the balance is $500.00 or less.
- Limited to 6 withdrawals or transfers per statement cycle.
- Limited withdrawals or transfers include transfers to another account of yours or to a third party by means of a preauthorized or automatic transfer or telephone order or instruction, computer transfer, or by check, draft, debit card, or similar order to a third party during any statement cycle.
- Interest is compounded monthly using the Daily Balance method which applies a daily periodic rate to the principle in the account each day.
- Additional services may incur service fees.
