Deposit Accounts

As your business grows, so do your banking needs. At Citizens Commerce, we offer a variety of business accounts designed to make your banking simpler and more convenient. Link your account to a savings account, credit card processing, or even our Cash Management and Remote Deposit Capture services, and you're ready for a convenient and seamless banking experience.


  • Non-interest bearing
  • Reimbursement up to $10/month of ATM surcharge fees for out-of-network ATMs
  • Free e-Statements ($5 paper statement fee*)
  • Free online banking, bill pay, and mobile banking app
  • Mobile Deposit
  • Instant-issue business debit card

Small Business Checking

  • Minimum opening balance of $500
  • $10 monthly service fee if balance falls below $500 any date of the statement cycle
  • 150 free items per statement cycle (25ยข per excess item)

Commerce Checking

  • Minimum opening balance of $500
  • ACH origination service
  • Wire transfer services
  • Monthly service fee can be offset with an earnings credit based on average balance


We offer competitive rates on savings accounts, money market accounts, and certificates of deposits. Contact a Customer Service Representative for more information.

*If you choose to receive paper statements, there is a $5 monthly fee for balances less than $25,000.