With our robust array of online and mobile banking tools, business operators can easily bank from the office or on the go.

Manage accounts and pay invoices with just a few clicks on a smartphone or computer. Set spending controls and receive instant alerts for business debit cards. Breeze through bricks-and-mortar and online supply purchases with a digital wallet. All these high-tech conveniences and more – 90 years of tradition to service for small businesses across Tennessee. Only from Citizens Bank.

With Bank-By-Net Online Banking business owners can:

  • Get up-to-the minute account information
  • Transfer funds between accounts
  • Make payments on Citizens Bank loans or credit lines
  • View front and back digital images of cancelled checks
  • View and download checking and savings account statements
  • Export account info into bookkeeping programs like Quicken

With Bank-By-Net Online Bill Pay business owners can:

  • Pay any quantity of bills and invoices as needed
  • Control when bill payments are scheduled
  • Enter, edit, or delete payments 24/7
  • Pay merchants that accept electronic payments with rapid transfers
  • Pay other merchants with an automatically prepared and mailed paper check

How to get started:

Log into Bank-by-Net here by clicking LOGIN at the top of the page.

With CitizensBank24 - Mobile, business owners have instant access to accounts wherever they go.

Smartphone users can enjoy the convenience of our iPhone and Android apps, and the interface can also be accessed through a browser. For quick account info, you can use the Text Message Banking option with any phone that supports texts. And, as always, your business is protected by cutting-edge security technology when you bank with Citizens.

With CitizensBank24 - Mobile you can:

  • Check account balances
  • See recent transactions
  • Transfer money between accounts
  • Pay bills to existing payees
  • Make deposits with EZ Deposit Mobile* (Apple and Android apps only)
  • Find your nearest Citizens Bank ATM or branch (Apple and Android apps only)

  • Manage your Debit Mastercard(s)® Click Here for instructions to setup your accounts
    • Turn your debit card on and off
    • Set spending limits based on dollar amount, transaction type, merchant type
    • Set specific regions where the card can and can't be used
    • Set parental controls and monitoring
    • Get instant alerts on specific types of transactions
Click here for important information regarding Debit Card Protection.
To report a lost or stolen card, increase daily debit card limit, or report travel plans, call (866) 882-2265.

How to get started:

Log into Bank-by-Net by clicking LOGIN at the top of the screen, select Options, click on Mobile Settings, and follow the onscreen instructions.

How to download the app:

The CitizensBank24 – Mobile app** is in Google Play or your favorite app store, or you can download the latest and most convenient version for Apple or Android devices here***.

* Deposit limits and other restrictions may apply. 

** Most smartphones and web-enabled mobile phones can be used with our mobile banking service. Mobile banking use is subject to the terms and conditions of the Citizens Bank Bank-By-Net Online Banking Agreement and Mobile Banking Agreement.

*** Your wireless service provider may charge additional fees for data usage and text messaging. Consult your wireless provider for details.

Our free Bank-By-Phone and Bank-By-Text options make day-to-day business management easier.

Need a fast way to access account information, perform transactions, and make payments right from a landline or mobile phone without the need for an app? Bank-By-Phone makes that possible. And with Bank-By-Text, you can check balances and recent transaction history in all enrolled accounts or a specified account from a text-enabled device.

With Bank-By-Phone, business owners can:

  • Check account info
  • Transfer funds
  • Make loan payments
  • Manage your debit card
How to get started with Bank-By-Phone:

Just call our toll-free line at (877) 543-8745.

With Bank-By-Text, business owners can:

  • Check account balances
  • Review recent transactions
  • Assign nicknames to your accounts for easy access

Available Text Commands

  • BAL - Balance in All Enrolled Accounts
  • BAL [Mobile Short Name] - Balance in Specified Account
  • HIST - Recent Transaction History for All Enrolled Accounts
  • HIST [Mobile Short Name] - Recent Transaction History for Specified Account
  • HELP - Shows list of available mobile commands
  • STOP - Ends Text Banking Enrollment

How to enroll in Bank-By-Text:

Log into Bank-by-Net by clicking LOGIN at the top of the screen, select Options, click on Mobile Settings, click on Text Mobile Banking, and follow the onscreen instructions.

To report a lost or stolen debit card, increase daily debit card limit, or report travel plans, call (866) 882-2265. 

Receive monthly business account statements quickly and securely.

With eStatements, you don’t have to worry about snail-mail slowdowns, and you don’t have to archive paper files. Account statements are easily downloadable and available on the Bank-By-Net online banking portal for up to 18 months. eStatements are highly secure with our use of the latest encryption technology and fraud prevention software.

How to get started:

Log into Bank-by-Net here by clicking LOGIN at the top of the page and sign up for eStatements.

Businesses can pay the easy way online and in stores with a Digital Wallet.

With a Digital Wallet, your company's payment and shipping information is conveniently stored in a mobile device. You can load Citizens Bank Debit Mastercards® and/or Citizens Bank Credit Card(s) to make fast tap-and-go payments at any merchant with enabled terminals and within participating mobile apps for Apple and Android.

Choose from several options including:

  • Apple Pay®
  • Google Pay™
  • Samsung Pay™

How to get started:

Click here for complete instructions, FAQs, and links to download the Digital Wallet that’s right for you.