Welcome to the Citizens Bank blog! Here you’ll find timely, valuable insights that can help you manage your money, prepare for life’s milestones, protect against fraud, or grow a business. Plus, occasional news items about the great people at our bank and in our communities.

 

Clean Up Your Cash Management With Sweep Accounts

December 2023

Businesses thrive when they can fluidly manage their cash flow and earnings. In a competitive market, every penny should be pulling its weight. Sweep accounts can help your business effortlessly optimize its cash management and investment and savings opportunities.

 

The Pros and Prices of Pet Ownership
November 2023

Owning a pet can be a deeply rewarding experience, but it comes with a fair share of responsibilities and expenses. Let’s delve into the costs and benefits of pet ownership to help you make an educated decision.

 
Funding Your Success: Loans to Spur Business Growth
October 2023

Looking to boost your business’s growth but unsure how to finance it? This guide will help simplify the process by covering some of the most common business loan options designed to help kick-start your growth journey and transform your ambitious business plans into a successful reality.

 
 
5 Tips for Attracting Talent
October 2023

Attracting talented employees to your small business may seem like a daunting task, but with the right plan of action, you can find the right people for the job.

Here are five tips that can help you bring in the best and brightest to join your team.

 
 
Taking Care of Business: Line of Credit vs. Term Loan
July 2023

Are you looking to take your business to the next level? Whether you need funds to expand your operations, purchase new equipment, or manage cash flow, finding the right financing option is crucial. We’ll look at two popular loan types – line of credit and term loan – to help you determine which one suits your business needs best.

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How to Identify & Avoid Debt Relief Scams
July 2023

In the first quarter of 2023, total household debt in the United States rose to $17.05 trillion, with roughly 1% of that debt being at least three months delinquent. As debt and delinquencies increase, so does the number of people eagerly searching for viable debt relief solutions, increasing the pool of potential targets for opportunistic scammers.

Debt relief scams can be hard to identify, but you can protect yourself by learning how to recognize them – and where to find reliable assistance instead. Here’s what you should know.

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New vs. Used: The Great Car Debate
June 2023

Choosing between a new or used car is no walk in the park – it’s a decision that can drive you to distraction! Buckle up as we take the driver’s seat in the age-old debate of new versus used cars. We’ll navigate the twists and turns, exploring the pros and cons of each option to ensure you’re in pole position to make an informed decision.

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Building Resilience: 5 Ways to Diversify Your Small Business's Investment Strategy
May 2023

As a small-business owner, you understand the importance of making smart financial decisions. One aspect that often receives less attention but is every bit as critical as any other is diversifying your investment portfolio. In this blog post, we’ll explore how diversification can benefit your small business and give you a road map for expanding your investment horizons.

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Keep Your Cash Flowing: Benefits of a Zero Balance Account
April 2023

As a small business owner, you know that managing your cash flow is essential to the success of your business. One tool that can help you do that is a Zero Balance Account (ZBA). This type of account is designed to make cash management easier by automatically transferring funds between accounts to maintain a zero balance. In this blog post, we’ll explore the benefits of a ZBA and how it can improve your cash management.

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For Love and Money: 7 Questions to Ask Your Fiancé(e)February 2023

According to a recent study, over four in ten couples in the U.S. say that financial anxieties have negatively impacted their relationships. The good news is that open and honest conversations about money can go a long way toward maintaining a happy marriage.

If you’re planning to take your relationship to the next level in the coming year, here are seven key questions you and your partner should ask each other.

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7 Timesaving Tips for Business Owners
February 2023

From managing employee schedules to keeping up with the latest industry trends, it’s no wonder that operators of small businesses often struggle to get everything done. The good news is that the right time-management strategies can deliver major savings over the long term. In this article, we’ll share seven smart tips that can help you keep time on your side.

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Beat the Winter Blues With These Fun Savings Tips
January 2023

The holidays are over, and spring is still a few months (and lots of degrees) away. Shake off the winter blues with these fun, creative strategies that turn saving money into an activity your whole family can enjoy.

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Protect Your Business Against Wire Transfer Fraud
January 2023

Wire transfers are a quick and convenient way for businesses to send and receive funds without the delay and hassle of paper checks. And compared to putting checks in the mail, these electronic transactions between bank accounts are considered highly secure. But no form of payment is completely immune to bad actors – and wire transfer scams targeting small and midsized businesses are on the rise.

Let’s take a look at a few prevalent forms of wire transfer fraud and some best practices for keeping your hard-earned money safe.

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