Citizens offers a wide variety of Cash Management services to complement your business transaction accounts. These services provide the precision, flexibility and return you expect from a high performing bank.

Products and Services:

ACH Services
Use our ACH services to pay or collect funds with greater efficiency and safety.

Remote Deposit Service
We provide you with the flexibility to make a deposit throughout the day as receipts are received. A scanner with software is installed at your business to allow you to transmit check deposits electronically from your office.

Wire Transfers
Depending on your individual business needs, arrangements can be made to transfer funds electronically.

Sweep Accounts
Earn investment income on excess cash with this fully automated process with no transaction fees.

Merchant Services – Credit Card Processing
If your business accepts credit cards, we can provide outstanding service, state-of-the-art technology, and efficient electronic payment solutions.

Business CDs
Set aside money for a specific period of time and earn higher interest rates. We offer a broad range of terms.

Business Overdraft Privileges
Rather than returning non-sufficient items unpaid, we will consider making payment of reasonable overdrafts on your Business Checking account subject to program terms and conditions.

Commercial Overdraft Line of Credit
Link your Commercial Checking account to your Small Business Line of Credit to help to manage your cash flow needs.

Lockbox Services
Enjoy faster access to your funds, greater cash control and more timely reporting with Lockbox Services.

Zero Balance Accounts
Consolidate your company’s cash into one primary account while maintaining the flexibility of having multiple secondary expense accounts.

CD Statements
Receive your statement on CD-Rom. Search capabilities are available.

Check Images
View front and back of your checks within Business Online Banking.

e-Statements
Receive an email alerting you your statement is ready. Login to Business Online Banking to view, save or print your statement.