Citizens Bank offers a variety of Treasury Services and related business services to help businesses manage their funds more effectively. 

To keep your organization moving forward - or to squeeze more profit out of your business - Citizens Bank can help you take advantage of the latest technologies to improve the management of your money.

ACH Debit & Credits - Initiate an incoming ACH (e.g. dues or rent collection) or an outgoing ACH directly from Bank-by-Net. Example uses include:

•  Direct Deposit of Payroll

•  Pre-authorized Payments

•  Tax Payments

•  Insurance & Utility Payments

•  Business to Business Payments

 Click Here to learn more about NACHA Rules Changes.

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.

Mobile Remote Deposit Capture
Do you need the ability to deposit checks when away from the office?   Snap a picture of the front and back, then submit.   Through a downloadable app, you can turn your smart phone into a deposit making device. Contact Us today for more information.  

Protect your business from unauthorized transactions within Bank-by-Net:
•  Positive Pay
•  Account Reconciliation Services
•  IBM® Trusteer Rapport
•  Setup multiple users
Give your customers the convenience of paying by Debit or Credit Card with a variety of merchant services.  Citizens Bank has options for both in-store and mobile card processing along with training and most importantly local support and competitive rates. Contact us today to GET A QUOTE.
Now Available Clover POS Systems
Clover® is an all-in-one, point-of-sale system built to work for your business.  With one system, you can accept credit, debit and mobile payments from your customers including Apple Pay®, Google Pay™, and Samsung Pay) while accessing apps to manage your business.  The hundreds of apps available through the Clover App Market along with cloud based design make it easy to manage sales reporting, inventory, payroll, scheduling, marketing and more...all from any connected Clover device, your phone or your computer.
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. †
Cash Concentration - Get your money working for you sooner.  Your account balances outside the east Tennessee area can be electronically transferred into your Citizens Bank account.
Citizens Bank offers a great choice for your business with convenient money management tools and worldwide acceptance.  Enjoy Local Support, No Annual Fee, Chip Security, Emergency Card Replacement, Flexible Financing, Competitive Rates, Maximize Payment Float, No Hidden Fees, and Master Billing with Consolidated Statements.Visa® Business Credit Card offers a great choice for your business, with convenient money management tools and worldwide acceptance. 
Contact Us for the most trusted, secure and convenient credit card for your business.  
Expedite the collection of your company's receivables with electronic payment draft services.
Efficiently distribute funds with electronic disbursements including Wire Transfers, Direct Deposits, and Tax Payments.
Positive Pay
Upload Account Reconciliation files to your computer to more efficiently handle accounting functions and reconciling bank statements.

Would you like to access multi-million-dollar FDIC protection on your deposits? You can on deposits placed in demand deposit accounts and money market deposit accounts through IntraFi Network Deposits CD Option formerly CDARS® or IntraFi Network Deposits DDA-MMA Option formerly ICS®—both offered at our bank. (Limits, terms, and conditions apply.) To learn more, contact us.

Placement of funds through the IntraFi Network Deposits CD Option formerly CDARS® or IntraFi Network Deposits DDA-MMA formerly ICS®option is subject to the terms, conditions, and disclosures in the service agreements, including the Deposit Placement Agreement (“DPA”). Limits apply. In the IntraFi Network Deposits DDA-MMA option formerly ICS®, program withdrawals are limited to six per month. Although funds are placed at destination banks in amounts that do not exceed the FDIC standard maximum deposit insurance amount (“SMDIA”), a depositor’s balances at the relationship institution that places the funds may exceed the SMDIA (e.g., before IntraFi Network Deposits CD Option formerly CDARS® settlement for a deposit or after IntraFi Network Deposits CD Option formerly CDARS® settlement for a withdrawal). As stated in the DPA, the depositor is responsible for making any necessary arrangements to protect such balances consistent with applicable law. If the depositor is subject to restrictions on placement of its funds, the depositor is responsible for determining whether its use of IntraFi Network Deposits CD Option formally CDARS® satisfies those restrictions. 


Roger Davis                              Head Shot of Sandra Day, Treasury Services 
            Roger Davis                                      Sandra Day
            Tri-Cities Region                                        Knoxville Region
† Sweep and Zero Balance Accounts subject to eligibility and bank approval