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Business Checking Accounts

Banking Built Around Your Day-to-Day Operations

Citizens Bank business checking accounts give business owners the flexibility, convenience, and direct access they need to manage finances confidently. Whether you’re handling daily transactions, managing cash flow, or preparing for growth, our team is here with responsive service and practical banking solutions designed around your business.

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Compare Business Checking Accounts

Account Type

Opening Deposit
$100
$500
$1,000
Minimum Balance Fee
$5 if average daily balance falls below $500
None
$10 if average daily balance falls below $1,000
Analysis
None
Yes
Yes
Interest Bearing
No
No
Yes
Statements
Free e-statements or paper statements for a $3 monthly fee
Free e-statements or paper statements for a $3 monthly fee
Free e-statements or paper statements for a $3 monthly fee

Business Rates and Additional Information

Limits and Fees Disclosure

Get The Most Out of Your Business Checking Account

A Citizens Bank business checking account comes with convenient tools and services designed to help you manage your finances more efficiently and stay connected to your business wherever work takes you.

Use features like:

  • Debit cards [Report lost or stolen card]
  • Mobile and online banking
  • eStatements
  • Positive Pay
  • Mobile deposit
  • Account alerts
  • Automatic transfers
  • Secure banking tools
  • And more

With convenient account services and direct access to support when you need it, Citizens Bank makes business banking better.

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Stay Connected With Mobile Banking

Go where business takes you while still managing your finances with the Citizens Bank mobile app.

With the app, you can:

  • Track account activity
  • Monitor spending and cash flow
  • Deposit checks remotely
  • Send and receive payments
  • Approve transactions
  • Transfer funds
  • Access account information securely

Get fast, convenient access to the information you need right from your mobile device with Citizens Bank mobile banking.

Apple App Store Google Play Store

Support Your Business With the Right Banking Products

Your checking account is just one part of your financial strategy. Citizens Bank offers additional business banking solutions designed to help you manage cash flow, protect your accounts, and support long-term growth.

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Business Savings

Build financial security and prepare for future opportunities with business savings solutions designed to support healthy cash management and long-term planning.

Learn More About Business Savings

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Business Loans

Access financing solutions for expansion, equipment purchases, and more with guidance from local lenders who understand your business goals.

Learn More About Business Loans

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Zelle®

Send and receive payments quickly and conveniently with Zelle®, making it easier to manage everyday business transactions directly from your Citizens Bank account.

Learn More About Zelle®

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Positive Pay

Protect your business from fraud with Positive Pay services designed to help monitor transactions, verify payments, and add another layer of security to your accounts.

Learn About Positive Pay

Find a Banking Center Near You

When opportunities arise, you deserve direct access to real people who know your business. Visit a Citizens Bank location to speak with an experienced banker and get the guidance you need to manage your business with confidence.

Find a Banking Center

Citizens Bank

Relationship-based banking for communities across Texas, with a team that keeps conversations direct and solutions practical.

Routing # 111922624 | NMLS # 458011
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