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Citizens Bank Business Advisor Checking

in Business Checking Accounts from Citizens Bank · fdic

Unaffiliated

Citizens Bank Business Advisor Checking

Unaffiliated

in Business Checking Accounts from Citizens Bank · Member FDIC

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Highlights
Monthly Fee	$0 - $25
ATM Fee: Out-of-Network	N/A
Minimum Balance to Avoid Monthly Fee	Starting at $10,000
APY (Annual Percentage Yield)	0%

Citizens Bank Business Advisor Checking Review

Citizens Bank Business Advisor Checking is offered by Citizens Bank, a bank founded in 1828 and based in Providence, RI. Citizens Bank Business Advisor Checking is available in 8 states across the USA.

Key Takeaways

0% APY. As with most checking accounts, Citizens Bank Business Advisor Checking does not pay interest.
Charges a monthly fee. This account charges a monthly service fee of up to $25, but the fee is waived if you keep a minimum balance of $10,000.
No minimum initial deposit. There is no minimum balance required to open an account.
Bill pay. Pay your bills to practically anyone in the United States through Citizens Bank.

Citizens Bank Business Advisor Checking Pros & Cons

Pros	Cons
Access to physical branches. Free debit card and the option to lock/unlock the card if lost or stolen Access to a nationwide network of ATMs.	No signup bonus. Does not earn interest Only available in 8 states. Higher than average wire transfer fees. Monthly service charge.

Citizens Bank Business Advisor Checking FAQ

Are business checking accounts from Citizens Bank federally insured?

Yes, your Citizens Bank business checking accounts are insured up to $250,000 per person by the Federal Deposit Insurance Corporation (FDIC #57957). The FDIC is an independent agency of the United States government that protects you against the loss of your insured deposits if an FDIC-insured bank or savings association fails. FDIC insurance is backed by the full faith and credit of the United States government.

What APY does Citizens Bank Business Advisor Checking offer?

Citizens Bank Business Advisor Checking is not an interest-bearing account.

What are the account minimums for Citizens Bank Business Advisor Checking?

Citizens Bank Business Advisor Checking does not require a minimum initial deposit.

Citizens Bank Business Advisor Checking Account Minimums
Description	Amount
Minimum Initial Deposit	$0
Minimum Combined Balance to Avoid Monthly Fee	$35,000
Minimum Balance to Avoid Monthly Fee	$10,000

What fees does Citizens Bank Business Advisor Checking charge?

This account charges a monthly maintenance fee of up to $25.

Citizens Bank Business Advisor Checking Fees
Description
ATM Fee: In-Network	0
Check Copy	6
Debit Card Replacement Fee	$0
Foreign Transaction Fee (Debit Card)	3%
Monthly Fee	$0 - $25
NSF Fee	39
Online Bill Pay Fee	$0
Overdraft Item Fee	$39
Overdraft Protection Fee (per transfer)	$12
Paper Statement Fee	3
Returned Deposit Fee (Domestic)	$20
Returned Deposit Fee (International)	$20
Stop Payment Fee	$35
Wire Transfer Fee - Domestic (Incoming)	$18
Wire Transfer Fee - Domestic (Outgoing)	30
Wire Transfer Fee - International (Incoming)	$12
Wire Transfer Fee - International (Outgoing)	35

What features and perks does Citizens Bank Business Advisor Checking offer?

This account includes the following features:

Check images with statement - Reconciling your accounts and complying with document retention standards is easier when you have access to a copy of your checks.
Fraud monitoring - Citizens Bank Business Advisor Checking monitors transactions for potentially fraudulent activity, such as when a debit card is unexpectedly used in a different location or you make a sudden string of costly purchases.
Free Bill Pay - Bill Pay allows you to pay bills easily from your account.
Mobile Banking Services - Citizens Bank Business Advisor Checking allows you to manage your money online. This includes depositing checks in your account with your smartphone.
Nationwide ATM network - Conveniently transact at a nearby ATM.

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Message From Citizens Bank Business Advisor Checking

A relationship account for businesses with greater monthly account activity. A small business bank account tailored to helping you grow. Benefit from a strong banking relationship when you open our business bank account aligned to the needs of your expanding business. Designed for businesses with moderate to heavy monthly banking activity, Business Advisor Checking includes the first 500 check transactions (checks deposited, paid or cashed) per statement period at no charge and relationship benefits that allow you to combine the balances of your business loans, savings and money market accounts to meet the monthly balance required to waive your monthly maintenance fee.