Click Here to OPEN AN ACCOUNT online! 

  • No Monthly Fee
  • First 200 items are Free Each Month1
  • Citizens Bank Debit MasterCard®2
  • Bank-By-Net Online Banking

Click here to OPEN AN ACCOUNT online!

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

  • 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. 

  • 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.

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.

  • 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

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.

Click for information on Business Loans or Business Savings! To navigate to other options, click the menu icon at the top right of your screen.

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.