
We offer two options for optimizing your liquid assets with competitive interest rates and seamless integration with our suite of digital banking tools. Plus, when you bank with Citizens Bank, you’ve always got someone in your corner. We’ve been supporting the growth goals of businesses across Tennessee for over 90 years, and we’re proud to continue that tradition of fast and friendly service.
Business Savings
Level up your business with a savings account that works for you:
- Earn interest with a low minimum balance
- No Monthly Fee with a $100 Minimum Daily Balance1
- Earn Daily Simple Interest that is Paid Quarterly
- Six Withdrawals Per Quarter at No Charge2
- Digital Banking
1 A service charge fee of $10.00 will be imposed every statement cycle if the balance in the account falls below $100.00 any day of the cycle.
2 A service charge fee of $2 will be charged for each debit transaction (withdrawal, transfer or payment out this account) in excess of 6 per quarter.
Business Money Fund Account
Gain access to higher interest rates on higher balances while maintaining liquidity and easy mobile oversight.
- No Monthly Fee with a $2,500 Minimum Daily Balance1
- Tiered Interest Levels Pay Higher Interest for Higher Deposits (daily simple interest paid monthly on collected balances)
- Six Withdrawals Per Month2
- Digital Banking
1 A service charge fee of $15.00 will be imposed every statement cycle if the balance in the account falls below $2,500.00 any day of the cycle.
2 A service charge fee of $10 will be charged for each debit transaction (withdrawal, transfer or payment out this account) in excess of 6 per month.
Certificate of Deposits
With a Certificate of Deposit (CD) from Citizens Bank, experience the reassurance of steady and secure growth. Your deposits are insured, providing an additional layer of protection. Watch your savings maintain momentum with competitive interest rates and flexible term options designed to help you achieve your financial goals.
INtraFi Network Deposits
Access multimillion-dollar FDIC protection for your business’s hard-earned cash reserves.
Secure additional protection for funds placed in demand deposit accounts and money market deposit accounts through the IntraFi Network Deposits CD Option (formerly CDARS®) or the IntraFi Network Deposits DDA-MMA Option (formerly ICS®) – both offered at our bank.
View Account Terms
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.

Business Lending
Get the best boost for your growing business.
Accelerate growth with business loans designed to bring your entrepreneurial dreams to life.