Community Business Banking

SIMPLE AND STREAMLINED FOR A NEW SMALL BUSINESS

• No minimum balance requirement
• No monthly service charge*
• 100 free transactions per month; $0.25 per additional debit transaction
• Discounted coworking space, upon availability**
• Access to event and meeting space, upon availability
• Co-advertising options, upon availability
• Free online banking and standard billpay
• Free mobile banking with remote deposit capability

*if enrolled in eStatements
**membership fees apply

Marketplace Banking

The ideal account for a transaction-heavy business

• $5 monthly service charge*; service charge waived for average ledger balance equal to or greater than $10,000 or enrollment in Bank sponsored Merchant Services product
• Unlimited transactions per month
• Discount on Remote Deposit Capture Products
• Discounted coworking space, upon availability**
• Access to event and meeting space, upon availability
• Co-advertising options, upon availability
• Free online banking and standard billpay
• Free mobile banking with remote deposit capability

*if enrolled in eStatements
**membership fees apply

Premier Business Banking

A comprehensive banking solution for a mid to large business

• $15 monthly service charge*; service charge waived for average ledger balance equal to or greater than $20,000 or loan relationship with Citizens Bank of Edmond exceeding $100,000
• Unlimited transactions per month
• Discounted Treasury Management Products; including Cash management, Business BillPay, ACH and Wire Origination, Positive Pay
• Discounted coworking space, upon availability**
• Access to event and meeting space, upon availability
• Co-advertising options, upon availability
• Free online banking and standard billpay
• Free mobile banking with remote deposit capability

*if enrolled in eStatements
**membership fees apply

Custom Analyzed

No two businesses are alike. Let’s create a solution that works best for you.

• Customized analysis to tailor to your banking activity
• Monthly pricing based on needs
• Visit Treasury Officer for pricing and additional benefits

Cash Management

Make managing cash easy

• View account history, make transfers, view statements, and pay bills
• Manage additional users for your business
• Create electronic payroll files, donation receivables, and insurance premiums*
• Initiate electronic transactions through the ACH Network
• Initiate wire transactions directly through online banking

*After adding ACH origination for a monthly fee

Remote Deposit Capture

Deposit your checks from the comfort of your office

• Scan stacks of checks quickly without ever leaving the office; purchase or lease a Citizens Bank desktop scanner upon approval of your application
• Checks are available for same-day credit to your account*

*processing dates and times are noted in the Funds Availability Policy Disclosure at account opening

Positive Pay Checks

Protect yourself from fraud by easily verifying issued checks

• Upload your check file electronically using CSV or fixed position file format, or input the individual checks manually
• Approve or decline checks before they post to your account
• Verify payees to reduce the risk of payee alteration fraud
• Includes account reconciliation so you can see paid items and outstanding items easily
• Ability to opt in for alerts when daily exception items are available for review

Merchant Services

Efficiently manage your business’ credit and debit transactions

• Increase sales by accepting Visa®, MasterCard®, Discover® and American Express®
• Services include: card acceptance, mobile card readers and virtual or traditional terminals, POS system, payroll, PCI compliance, check guarantee service, fraud detection suite, eCheck, recurring billing, email invoicing
• 24/7 Help Desk support
• Competitive processing rates
• Phone, internet and e-commerce options available
• Wireless payment processing using smartphone device or tablet

We have a heart for nonprofits.

You’re focused on a mission- let us help you give back. Our unique services for nonprofits help you maximize your return on savings and investments.

• No minimum balance requirement
• No monthly service charge*
• Interest bearing**
• Complimentary coworking space, upon availability
• Access to event and meeting space, upon availability
• Co-advertising options, upon availability
• Priority consideration for Heard on Hurd spotlight
• Free online banking, mobile banking, and more

*if enrolled in eStatements
**if balance threshold is met