Business Checking Comparison

Business Online Banking
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Personal Online Banking
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Free with all Citizens Business Checking Accounts
Citizens MasterCard BusinessDebit® Card
Citizens ATM Transactions
Check Imaging
Detailed Monthly Statement
Telephone Banking
Business Online Banking
Overdraft Privilege on eligible accounts
Notary Service
   
Free Business
Business Interest
Organization

Commercial

Minimum Opening Deposit $0 $0 $0 $100
Minimum Balance $0 $0 $0 $0
Monthly Service Fee

$0

$10 monthly service fee – Waived if maintain a $1,000 average balance None

Applied to earnings credit:

$12 per month maintenance fee

$0.15 per credit, debit, or deposited check

$0.50 per deposit

$0.50 per $1,000 currency deposited
Earnings Credit      

Applied against monthly activity charges.

Earnings credit rate based on the 91-Day Treasury Bill rate.
Interest No Interest Market Rate Earned on balances greater than $500 No Interest
Free Citizens ATM Transaction Yes Yes Yes Yes
FREE Non-Citizens ATM Transactions No No No No
Overdraft Privilege Available Available No Available
Free Transactions 400 free transactions*, $0.25 per transaction over 400 100 free transactions*, $0.25 per transaction over 100 100 free cleared checks, $0.25 per check over 100 100 free transactions**, $0.15 per transaction over 100
Sweep services Not available Not Available Not available Available
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* Transactions include debits, credits, deposits and deposited checks.
** Transactions include debits, credits, and deposited checks.
 
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