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

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