Community Business Banking

SIMPLE AND STREAMLINED FOR A NEW SMALL BUSINESS

• No minimum balance requirement
• No monthly service charge¹
• 100 free transactions per month; $0.25 per additional debit transaction
• Discounted coworking space, upon availability²
• 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

¹if enrolled in eStatements. If not enrolled in eStatements, account will be billed $5 monthly for paper statement. Enroll for free eStatements in digital banking.
²membership fees apply

Use our switch kit to easily move your accounts to Citizens Bank of Edmond.

Business Plus

A comprehensive banking solution, plus interest

• $2,500 minimum balance to open²
• $5 monthly service charge³

¹$0.15 charge for each debit item if the monthly account balance is below the minimum balance. There is a $0.10 charge for each foreign item deposited if monthly account balance is below $2,500.00. There is a $0.10 charge for each on us item deposited if monthly account balance is below $2,500.00. Charges waived if balance greater than $2,500.00 or there is an established relationship exceeding $100,000.00 with the Citizens Bank of Edmond.

²a minimum balance charge of $10 will be imposed every day if the daily balance on any day of the month falls below the minimum balance.

³if not enrolled in eStatements. If enrolled in eStatements, $5 monthly fee is waived. Enroll for free eStatements in digital banking.

Service charges are waived if the balance is greater than $2,500 or there is an established relationship exceeding $100,000 with Citizens Bank of Edmond.

Use our switch kit to easily move your accounts to Citizens Bank of Edmond.

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

Business Interest Checking

Solid Growth Potential

• No minimum balance requirement
• 2.53% APY¹ on account balances up to and including $50,000
• 0.01% APY¹ on account balances over $50,000
• Must make 10 debit card transactions a month to receive the higher rate
• $1,000 bonus² for new business checking account customers

¹APY=Annual Percentage Yield. APYs accurate as of 04/22/2025. Rates may change after account is opened. Conditions to earn rewards require 10 debit card purchases per month. If conditions are met each monthly qualification cycle, 2.53% APY is earned on balances up to $50,000. 0.01% APY is earned on balances over $50,000.01. If the conditions are not met, all balances earn 0.01% APY. Fees could reduce the earnings on the account.

²$1,000.00 will be paid as a bonus after the third full month statement cycle. The statement cycle begins the first business day of the month and ends the last business day of the month. The first full statement cycle begins the first business day of the month after account opening. This one-time earned bonus will be paid if new customer maintains an average monthly balance of $50,000 or more and meets a minimum of ten debit card transactions for each of the initial three full month statement cycles.

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

Autobooks Invoicing & Payments

A Better Way to Do Business

• Send digital invoices and get paid via credit/debit card or bank transfer – from online banking.
• Accept payments via secure payment link by text or email, place it on a web page or via your unique QR Code.
• Accept in-person, contactless payments right on your iPhone – directly inside the mobile banking app with Tap to Pay on iPhone.

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