Additional Loan Products


photoThe Citizens Bank VISA® credit card is ideal for the purchases of goods or services combined with additional benefits. As a cardholder there is no annual fee, no initial fee, ATM access, earn Scorecard™ bonus points, travel advantages, travel accident insurance, credit insurance and more. Citizens Bank offers both personal and business credit cards. As a business credit cardholder, you'll also enjoy special savings and privileges with a variety of benefits. Enjoy in-store and online convenience with millions of locations worldwide, separate personal and business expenses and manage your money with accurate, comprehensive records generated from your business credit card.

Call 423-526-5000/800-977-2265 for more information or visit one of our branch locations to pick up an application.


Customers who have a Citizens Bank VISA® credit card can view transaction activity, monthly statements, make payments, download transaction history, and much more from the comfort of their home or while on the go via the Internet. CLICK HERE to access the website.

Business Manager Accounts

photoGrow your business with improved cash flow. Now you can bridge the gap between payables due to suppliers today and receivables that your customers won't remit for 30 days or more. Business Manager enables you to get cash for your accounts receivable deposited directly into your bank account by selling them to the bank at a discount. The bank can send statements on your behalf, and offer payment terms to your customers. You'll also receive detailed management reports outlining critical information about your receivables. When you are effectively conducting business on an all-cash basis, you can take advantage of suppliers' prompt payment discounts, increase your sales, redirect staff time, and save the time and money typically spent on receivables management. Get Business Manager and get back to building your business.

Business Manager is well suited for all types of businesses in these industries: automotive, building materials and services, business services, electrical/gas/sanitation, home furnishings, manufacturing, retail, transportation, and wholesale distributors.

Business Manager helps give your business a competitive advantage

  • Improve cash flow
    With a more predictable cash flow, you can make payroll, remit payables on time, increase inventory, and pursue new business opportunities.
  • Save time and money
    Take advantage of prompt payment discounts from suppliers and get back to doing business. Sending files electronically allows you to redirect personnel to more productive tasks.
  • Manage your business
    Track receivables with detailed reports, reduce your debt, maintain a liquid working capital position, and prevail in seasonal fluctuations.
  • Improve collections
    You can choose to use the bank's presence on customer correspondence, which influences customers to pay on time.
  • Offer financing options to your customers
    Sharpen your competitive edge by offering flexible payment terms. You win and your customers do too.

How does Business Manager work for your business?

  • The bank purchases your accounts receivable at a discount, both initially and on an ongoing basis, as new receivables are generated.
  • Funds are deposited into your account, giving you the positive cash flow you need.
  • Using Business Manager's electronic commerce feature, you then exchange receivables information quickly and easily with your bank through a secure Internet site.
  • You also gain access to detailed management reports with important information on aged receivables, customer balances, credit applications and more.

Call 423-526-5000/800-977-2265 for more information