Business Banking

You have your own unique vision... and your own way of managing your business. As the Tri-Cities leading community bank, Citizens Bank has helped area business owners succeed on their own terms for more than 75 years.

No other bank caters to Tri-Cities businesses like Citizens Bank. Our superior financial products, accessible bankers, market experience and advanced technology give you tools to bank your own way … and achieve greater levels of success.

Business Checking / Savings

Free Business Checking

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Small Business Checking

  • No Monthly Fee with a $5,000 Minimum Daily Balance
  • First 400 Items are Free Each Month*
  • VISA® Business Check Card**
  • Bank-By-Net Online Banking
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Business Interest Checking

For qualifying Non-Profits and Sole Proprietorships***

  • No Monthly Fee with a $5,000 Minimum Daily Balance
  • First 400 Items are Free Each Month*
  • VISA® Business Check Card**
  • Bank-By-Net Online Banking
  • Tiered Interest Levels Pay Higher Interest for Higher Deposits (daily simple interest paid monthly on collected balances)
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Customized Business Checking

Customized Business Checking is designed for businesses with higher monthly balances and transaction volume. You will have access to a variety of cash management services and you will receive an earnings credit to help offset account fees. Let Citizens Bank customize an account for your business based on volume of activity.

  • Monthly Fees are Waived if You Meet Balance and Activity Requirements
  • Statements Break Down Services on a Per-unit Cost Basis
  • Bank-By-Net Online Banking

Talk with our Business Banking specialists for a current fee schedule or a professional analysis to find out if Customized Business Checking is right for your business.

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Business Money Fund Account

  • No Monthly Fee with a $2,500 Minimum Daily Balance
  • Tiered Interest Levels Pay Higher Interest for Higher Deposits (daily simple interest paid monthly on collected balances)
  • Bank-By-Net Online Banking
  • Six Withdrawals Per Month (three by check)
    (Withdrawals are limited by regulation. Continued excessive withdrawals may result in conversion of the account to a non-interest bearing account).
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Business Savings

  • No Monthly Fee with a $100 Minimum Daily Balance
  • Earn Daily Simple Interest that is Paid Quarterly
  • Six Withdrawals Per Quarter at No Charge
    (Withdrawals are limited by regulation. Continued excessive withdrawals may result in conversion of the account to a non-interest bearing account).
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Loan Services

Our commercial lenders are experienced professionals who can help you select the best financing options for the unique needs of your business.

Commercial and Development Loans

  • Real Estate
  • Expansions
  • Working Capital
  • Equipment Purchases
  • Lines of Credit
  • Business Credit Cards

Contact one of our experienced commercial banking professionals:

Kingsport Elizabethton

Brad Hoover

Train Station
101 East Main Street
(423) 230-4304

NMLS ID# 723272

Larry Estepp

Train Station
101 East Main Street
(423) 230-4308

NMLS ID# 591880

Mark Feuchtenberger

Broad Street
300 Broad Street
(423) 543-2265

NMLS ID# 723275
Johnson City Bristol

Rick Storey

State of Franklin
3028 Peoples Street|
(423) 610-3006

NMLS ID# 723274

Kevin Jessee

State Street
310 State Street
(423) 989-4411

NMLS ID# 723273
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SBA Loans

Small Business Resources Division (SBR) – SBA & USDA Loans

Through its Small Business Administration (SBA) and Department of Agriculture Rural Development (USDA) lending division, Small Business Resources, Inc. (SBR), Citizens Bank has become the number one SBA lender in the Tri-Cities region and one of the top SBA lenders in the state of Tennessee. The bank is recognized as a nationwide preferred lender with the U.S. Small Business Administration. The lenders in the SBR division have more than 25 years experience when it comes to SBA lending and they understand the unique needs of small businesses.

  • Businesses qualifying under certain SBA requirements are eligible for 7a and 504 loan programs.
  • Loan amounts start at $50,000 and up with terms of up to 25 years through the SBA program.
  • Business and Industry (B&I) guaranteed loans through the U.S. Department of Agriculture Rural Development (USDA) are for businesses in rural communities. Fees, interest rates and collateral requirements are very similar to SBA loans and terms are available up to 30 years.
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E-Banking

Bank your own way anytime, anywhere. With Citizens Bank E-Banking services you can bank via phone, online or at one of our 15 ATM locations throughout the Tri-Cities — 24 hours a day, seven days a week.

E-Banking

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Cash Management Services

Citizens Bank offers a variety of Cash Management services to help businesses manage their funds more effectively. Our Business Banking specialists can provide a custom proposal for your business.

Business-By-Net

With Citizens' Online Cash Management Service for businesses, you can access your accounts on your schedule plus perform additional money management functions. Each user's access can be customized to match your business's requirements.

Remote Deposit Capture

No matter where you are, you can deposit checks electronically by scanning checks and making deposits to your account without leaving the office. Speed up collections and enjoy the convenience of making deposits 24/7 as well as the efficiency of reducing check deposit preparation.

Fraud Protection

Citizens Bank uses the latest technology to combat fraudulent transactions for all customers. Use the Positive Pay feature to upload your accounts payable check file to the bank and protect your business from unauthorized or stolen checks.

Checks on CD

Citizens Bank's CD-ROM Imaging places electronic images of your company's cancelled checks, deposit tickets and deposited checks along with bank statements on a CD-ROM. The images can easily be searched and stored on your computer, providing access to historical account information.

Sweep Accounts

Maximize your money's earning potential with a sweep account. Invest excess funds, pay down a credit line, or cover account overdrafts with automatic transfers from a sweep account.†

Zero Balance Accounts

If you're managing several business accounts, you can improve cash flow and simplify account reconciliation with a Zero Balance Account. Funds from a master account may be transferred to disbursement accounts as checks clear or debits are presented.†

Billing Services

Expedite the collection of your company's receivables with electronic payment draft services.

Disbursement Services

Efficiently distribute funds with electronic disbursements including Wire Transfers, Direct Deposits, and Tax Payments.

Account Reconciliation Services

Upload Account Reconciliation files to your computer to more efficiently handle accounting functions and reconciling bank statements.

Cash Concentration

Get your money working for you sooner. Your account balances outside the Tri-Cities area can be electronically transferred into your Citizens Bank checking account

Merchant Credit Card Services

Give your customers the convenience of paying by ATM, Debit and Credit Card. Citizens Bank can provide your business with equipment, set up, training and most importantly, local support and competitive rates.

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Citizens Investment Services

— a division of Citizens Bank

Securities are offered through

Whether you're already an astute investor or just starting to build a portfolio, the financial advisors of Citizens Investment Services, Inc. can help you map out your financial planning strategies.

Citizens Investment Services offers products through Raymond James Financial Services, Inc. member FINRA/SIPC, Inc., one of the nation's largest brokerage firms and a provider of investment services for community banks nationwide.

Products:

  • Stocks & Options
  • Annuities & Life Insurance – Fixed and Variable
  • Bonds
  • Mutual Funds
  • Unit Investment Trusts

Services:

  • Retirement Accounts
  • Financial Planning & Portfolio Development
  • Asset Management Services
  • Research provided by Standard & Poors, Value Line, Credit Suisse, Lehman Brothers and Raymond James
  • Life, Health and Long-term Care Insurance Services
  • Corporate & Public Finance

Financial Advisors

Contact a financial advisor or email us at citizensinvestments@raymondjames.com.

Kingsport

Tim Miller

Train Station
101 E. Main Street
(423) 230-4321

Johnson City

Clem Wilkes

State of Franklin
3028 Peoples Street
(423) 928-8361

Pete Cholerton

State of Franklin
3028 Peoples Street
(423) 928-8361

Visit the Raymond James website — www.raymondjames.com/tri-cities.

SECURITIES OFFERED THROUGH RAYMOND JAMES FINANCIAL SERVICES, INC. MEMBER FINRA/SIPC, AND ARE: ■ NOT DEPOSITS ■ NOT INSURED BY FDIC OR ANY OTHER GOVERNMENTAL AGENCY ■ NOT GUARANTEED BY THE FINANCIAL INSTITUTION ■ SUBJECT TO RISK, MAY LOSE VALUE

Citizens Investment Services and Citizens Bank are independent of Raymond James.

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VISA® Credit Cards

Citizens Bank issues a choice of VISA® credit cards that are accepted at thousands of locations throughout the world.**

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* Includes checks paid, items deposited, and electronic debits and credits

** Subject to approval

† Sweep and Zero Balance Accounts subject to eligibility and bank approval


Notice - Unlawful Internet Gambling Enforcement Act of 2006

This notification is provided pursuant to the Unlawful Internet Gambling Enforcement Act of 2006 which Citizens Bank is required to enforce. The Act prohibits any person engaged in the business of betting or wagering, or any other commercial customers, from knowingly accepting deposits or other credits or payments of any kind in connection with the participation in unlawful Internet gambling. As an accountholder, these restricted transactions are prohibited from being processed through the account or relationship with us. If you engage in an Internet gambling business and open an account with us, we must ask that you provide evidence of legal authority to engage in the Internet gambling business. Additionally, you must agree to tell us if your account is ever used in connection with Internet gambling, even if you believe that the gambling is legal. If you don’t notify the bank, we may deny further access to various payment methods or close your account.