Business Services

Spend less time in line. And more time on your business with online commercial services.

You want complete control of your finances, total convenience on your schedule, and customization to do things your way. It definitely pays to check into business online bill pay.

It takes a different bank to make banking different. Welcome to banking done different.

Citizens Business Pay & Cash Management

Small businesses want it all!

Citizens Business Pay is a better way to bank. Take control of how and when you pay bills and invoices. Delegate tasks and set permission controls. Instant information and customized reporting.

Your business may close at 6 pm, but your business activity does not. Manage your business checking, savings, and more with a range of cash management services. 

Take control of how and when you pay bills and invoices.

  • Make payments more quickly and easily and gain greater control over cash flow
  • Get anytime, anywhere access for more convenience paying your bills
  • Depend on added security because paying bills online is safer than mailing checks
  • Save time by conveniently importing payees from Quicken ® or QuickBooks ®
  • Pay multiple invoices for a single payee all at one time and account for them in a single location
  • Easily set up recurring payments for monthly bills

Delegate tasks and set permission controls.

  • Delegate the payment tasks you want such as paying utilities and suppliers, running reports or accessing payment history
  • Set permission controls so you're always in charge of who can make payments, which payments they can make, and the maximum payment amount
  • Set up final approvals so you can give the go-ahead before any payments are made 

Instant information with customized reporting.

  • Run audit reports and customize them for the precise payment information you need
  • Track your company sending and payment history in just a few clicks and keep track of the payments they have made 
  • View the payment activity of authorized users 
  • Greatly reduce your paperwork and minimize manual record keeping

Citizens Remote Deposit Capture

Avoid an extra trip to the branch!

You can’t be in two places at once so focus on what matters most, your business. Citizens Remote Deposit Capture puts the ability to make deposits at your business' fingertips, by eliminating costly trips to the bank while realizing improved funds availability.

  • Convenience
  • Expanded cutoffs
  • Reduced expenses
  • Reduces deposit preparation costs.
  • Faster clearing
  • Streamlined operations
  • Peace of mind 

Wire Services

Need to move funds quickly & safely?

Wire transfers are the fastest, most convenient way for your business to move funds quickly and securely around the country or world. Unlike ACH which provides next day transfer of funds, wire transfers provides same day or near immediate transfer.

  • Immediate funds availability
  • Repeating transfer options
  • Automated batch input
  • Security

Sweep Accounts*

You have a business to run. Managing the books shouldn’t consume your time.

Our sweep services act as your personal cash manager, automatically moving your excess cash balances for each day so you can focus on doing what your business does best. All funds are available for posting day-to-day transactions -- meaning there’s a much lower risk of overdraft on your account.

  • Interest Sweep*
  • Line of Credit Sweep*
  • Combination Sweep*

We have several options available to manage your daily transaction needs.

*fees may apply

Merchant Credit Card Services

Need a way to accept additional forms of payment?

Nowadays you can't afford to not offer the convenience of offering additional forms of payment, such as debt and credit cards. We can provide processing of all major cards at affordable rates tailored to your business needs.

  • Provide additional payment options for your customers
  • Accept major credit and debit cards
  • MasterCard, Visa, and Discover cards
  • Boost your bottom line by making it easier for people to pay you
  • Reduce billing expenses and processing time
  • Equipment is easy to use and set up
  • Streamline billing and record-keeping
  • Easily track your activity with up-to-date reports