Give your enterprise a foundation for growth with a business checking account from Citizens Bank.

Here at Citizens Bank, we offer a range of checking accounts with Debit Mastercards® to suit businesses of all types and sizes. Whether you just want the basics or are looking for premium perks and earning potential, we’ve got a solution. Plus, when you do business with Citizens Bank, you have a financial partner with greater than 85 years of experience providing trusted advice and friendly service to businesses across East Tennessee.

Ready to get started? Click on the button below to get started or stop by a nearby branch to speak to one of our team members.

Sometimes, simplest is best. This account is ideal for startups, side hustles, and anyone who wants the essential benefits of business banking with no monthly fees and no minimum daily balance.

  • No monthly fee
  • First 200 items are free each month1
  • Citizens Bank Debit Mastercard®2
  • Bank-By-Net Online Banking

1 Includes all debit and credit items including checks paid, items deposited, and electronic debits and credits. A service charge fee of $0.35 will be imposed per item in excess of 200 items during the statement cycle.

2 Subject to approval.

A checking account with room for growth. This option is optimal for small businesses with a need for more flexibility when it comes to transaction volume and cash flow.

  • No monthly fee with a $5,000 minimum daily balance
  • First 400 items are free each month1
  • Citizens Bank Debit Mastercard®2
  • Bank-By-Net Online Banking

1 Includes all debit and credit items including checks paid, items deposited, and electronic debits and credits. A service charge fee of $0.35 will be imposed per item in excess of 400 items during the statement cycle.

2 Subject to approval.

3 A service charge fee of $10.00 will be imposed every statement cycle if the minimum balance falls below $5,000.00 any day of the cycle and the average daily falls below $10,000.00 for the cycle. 

Make your money work for you. This account enables you to earn interest on your balance – plus you get all the business checking essentials, like a Debit MasterCard® and online banking.

  • No monthly fee with a $10,000 minimum daily balance3
  • First 400 items are free each month1
  • Citizens Bank Debit Mastercard®2
  • Bank-By-Net Online Banking
  • Tiered interest levels pay higher interest for higher deposits (daily simple interest paid monthly on collected balances)

1 Includes all debit and credit items including checks paid, items deposited, and electronic debits and credits. A service charge fee of $0.25 will be imposed per item in excess of 400 items during the statement cycle.

2 Subject to approval.

3 A service charge fee of $15.00 will be imposed every statement cycle if the minimum balance falls below $10,000.00 any day of the cycle. 

A continuous overdraft fee of $5 per business day will be charged to your account after the fifth business day the account has been continuously overdrawn.

Distinctive benefits for distinctive businesses. With a customized account tailored to your volume of activity, your business will receive an earnings credit and get access to a range of cash management services.

  • Suite of online Treasury Management Services available
  • Local support & service
  • Bank-By-Net Online Banking
  • Earnings credit on balances applied towards account fees
  • Sweep and interest options available for customers with excess balances
  • Monthly analysis statements

Ask to speak with our Business Banking Specialists to see a current fee schedule or with a Professional Analyst to find out if Customized Business Checking is right for your business.







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Click here for important information regarding the opening of new business accounts. 


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 account holder, 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.