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  Citizens Bank Clearly Better Business Checking

Citizens Bank Clearly Better Business Checking

in Business Checking Accounts from Citizens Bank · fdic

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Citizens Bank Clearly Better Business Checking

Unaffiliated

in Business Checking Accounts from Citizens Bank · Member FDIC

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

Citizens Bank Clearly Better Business Checking Review

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

Key Takeaways
  • 0% APY. As with most checking accounts, Citizens Bank Clearly Better Business Checking does not pay interest.
  • $0 monthly fee. This account does not charge a monthly Service Charge.
  • 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 Clearly Better 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
  • Access to a nationwide network of ATMs.
  • No signup bonus.
  • Does not earn interest
  • Does not offer mobile check deposits.
  • Only available in 8 states.
  • Higher than average wire transfer fees.
Citizens Bank Clearly Better 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 Clearly Better Business Checking offer?

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

What are the account minimums for Citizens Bank Clearly Better Business Checking?

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

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

What fees does Citizens Bank Clearly Better Business Checking charge?

The good news is that this account does not have a monthly service charge.

Citizens Bank Clearly Better 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 $0
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 Clearly Better 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 Clearly Better 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.
  • Free Bill Pay - Bill Pay allows you to pay bills easily from your account.
  • Mobile Banking Services - Citizens Bank Clearly Better Business Checking allows you to manage your money online.
  • Nationwide ATM network - Conveniently transact at a nearby ATM.
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Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Message From Citizens Bank Clearly Better Business Checking

Ideal for small businesses with modest monthly account activity. A simple checking account for small businesses.

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
Monthly Fee $0
Online Bill Pay Fee $0
Check Copy 6
Foreign Transaction Fee (Debit Card) 3%
NSF Fee 39
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
Account Features
  • Free Bill Pay
  • No Monthly Maintenance Fee
  • Nationwide ATM Network
  • Check Images with Statement
  • Mobile Banking
  • Fraud Monitoring
  • Debit Card Lock/Unlock
  • Fraud Protection
  • Debit Card
  • Branch Access
  • Member FDIC

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