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  Citizens Bank Citizens Analysis Business Checking

Citizens Bank Citizens Analysis Business Checking

in Business Checking Accounts from Citizens Bank · fdic

Unaffiliated

Citizens Bank Citizens Analysis Business Checking

Unaffiliated

in Business Checking Accounts from Citizens Bank · Member FDIC

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Highlights
Monthly Fee $20
ATM Fee: Out-of-Network N/A
Minimum Balance to Avoid Monthly Fee N/A
APY (Annual Percentage Yield) 0%

Citizens Bank Citizens Analysis Business Checking Review

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

Key Takeaways
  • 0% APY. As with most checking accounts, Citizens Bank Citizens Analysis Business Checking does not pay interest.
  • Charges a monthly fee. This account charges a monthly service fee of $20.
  • No minimum initial deposit. There is no minimum balance required to open an account.
  • No ATM fees. Citizens Bank Citizens Analysis Business Checking does not charge fees on ATM transactions.
Citizens Bank Citizens Analysis Business Checking Pros & Cons
Pros Cons
  • Access to physical branches.
  • Free debit card and the option to lock/unlock the card if lost or stolen
  • No signup bonus.
  • Does not earn interest
  • Only available in 8 states.
  • Higher than average wire transfer fees.
  • Monthly service charge.
Citizens Bank Citizens Analysis Business 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 Citizens Analysis Business Checking offer?

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

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

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

Citizens Bank Citizens Analysis Business Checking Account Minimums
Description Amount
Minimum Initial Deposit $0

What fees does Citizens Bank Citizens Analysis Business Checking charge?

This account charges a monthly maintenance fee of $20.

Citizens Bank Citizens Analysis Business Checking Fees
Description
ATM Fee: In-Network 0
Check Copy 6
Debit Card Replacement Fee $0
Foreign Transaction Fee (Debit Card) 3%
Monthly Fee $20
NSF Fee 39
Online Bill Pay Fee $0
Overdraft Item Fee $39
Overdraft Protection Fee (per transfer) $0
Paper Statement Fee 3
Returned Deposit Fee (Domestic) $20
Returned Deposit Fee (International) $20
Stop Payment Fee $35
Wire Transfer Fee - Domestic (Incoming) $12.50
Wire Transfer Fee - Domestic (Outgoing) 20
Wire Transfer Fee - International (Incoming) $15
Wire Transfer Fee - International (Outgoing) 35

What features and perks does Citizens Bank Citizens Analysis Business 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 Citizens Analysis Business 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.
  • Mobile Banking Services - Citizens Bank Citizens Analysis Business 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 Citizens Analysis Business Checking

Manage everyday business banking with cash management services
Designed for businesses with a high volume of activity that need cash management services.Citizens Analysis Business Checking includes access to a variety of services including electronic payments (ACH and wires), transfers, sweeps, remote deposit capture and more. This account includes an earnings credit which can be used to offset transaction costs.

Availability

  Available in 8 states
  • Connecticut
  • Massachusetts
  • New Hampshire
  • New Jersey
  • New York
  • Pennsylvania
  • Rhode Island
  • Vermont

Feature Breakdown

ATM Fee: In-Network 0
Debit Card Replacement Fee $0
Online Bill Pay Fee $0
Overdraft Protection Fee (per transfer) $0
Check Copy 6
Foreign Transaction Fee (Debit Card) 3%
Monthly Fee $20
NSF Fee 39
Overdraft Item Fee $39
Paper Statement Fee 3
Returned Deposit Fee (Domestic) $20
Returned Deposit Fee (International) $20
Stop Payment Fee $35
Wire Transfer Fee - Domestic (Incoming) $12.50
Wire Transfer Fee - Domestic (Outgoing) 20
Wire Transfer Fee - International (Incoming) $15
Wire Transfer Fee - International (Outgoing) 35
Account Features
  • No ATM Fees
  • Mobile Check Deposit
  • Nationwide ATM Network
  • Check Images with Statement
  • Mobile Banking
  • Fraud Monitoring
  • Debit Card Lock/Unlock
  • Fraud Protection
  • Debit Card
  • Branch Access
  • Member FDIC
  • Expense Management

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