The Citizens Small Business Checking Account is designed to cater to businesses with low to moderate levels of transactions. It is a non-interest bearing account with many attractive features, and as long as certain criteria are met, it's FREE.
Citizens Commerce National Bank wants to give back to its customers. That’s why we’ve created the Commerce Checking account for businesses. This account is designed to cater to businesses with moderate to high levels of transactions. With Commerce Checking, a monthly analysis of your activity is performed and includes a generous earnings credit based on your average daily balance. The earnings credit can be used to offset monthly service charges, such as maintenance fees, deposit charges, and processing fees. If your earnings credit exceeds your service charges, you will be able to use it to add new services to your account.
Commerce Checking also comes with FREE access to Cash Management, our online business banking system. The program is compatible with QuickBooks, so you can import your financial information directly. Plus, you'll be able to access your accounts, process ACH files, make wire transfers, stop payments, and make transfers to and from different accounts. It’s like having a Citizens Commerce location right in your office!
Citizens Commerce supports non-profit entities by offering a FREE checking account to these special clubs and organizations. The account requires no minimum balance and incurs no monthly service fees.
Want to earn higher interest rates and don't have a need to make frequent withdrawals? If so, the Business Money Market account may be the account for you. The account must maintain a $10,000 balance to avoid a $20 monthly service charge. The Money Market account permits six withdrawals per statement cycle that can be made by check, ACH or telephone transfer. A $20 per item fee will be charged for every transaction in excess of the six permitted.
For information about any of these accounts please call us at (859) 879-9455 or stop by any of our banking locations.