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Account Type: Personal Commercial
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Commercial Products

Please click on the labels of what types of commercial products offered by Citizens Bank & Trust Company you would like to learn more about below.

Commercial Checking Accounts

The minimum amount needed to open a Commercial Checking Account is $150.00.
Included with this account, you will have a monthly account analysis that includes an imaged statement and the fees listed below. Please note that the earnings credit factor is calculated on the average collected balance and adjusted monthly in analysis. By signing up for eStatements, you can receive $2.00 in credit in the analysis.

Fees:
Conditions Service Charges
Monthly maintenance fee for imaged statements $4.00
Charge for each debit $0.15
Charge for each transit item deposited $0.08
Small Business Checking Accounts

The minimum amount needed to open a Small Business Checking Account is $150.00.
With this type of account, you will receive imaged statements and have no minimum balance requirement. Its monthly service charge is waived if eStatements are received; if not, the account will be charged $7.00 per month. You can have a total of 150 debits/credits and items deposited at no charge; when the limit is reached, each item afterwards will cost $0.25. The account also includes various services that we offer such as imaged statements, unlimited check writing, and has no minimum balance requirement.

eBusiness

By setting up an eBusiness, you have enhanced access to Online Banking with Citizens Bank & Trust Company and can view balances, view images of checks as they clear the bank, send payroll files via ACH, and pay your taxes online. For eBusiness, there is a monthly fee of $10.00 and an additional $5.00 charge for each ACH file.

Other Commercial Account Features:

Merchant Capture: Make deposits from your business or home without leaving the office.
ACH Origination: You can use our ACH System to make payments.
Positive Pay: Reduce fraud by verifying transactions before they post to your account.

For more information about Commercial Accounts, please call (580) 226-4610.

Commercial Savings Accounts

The minimum amount needed to open a Commercial Savings Account is $150.00.
There is no limit on the number of deposits made to the account. Six withdrawals or debits can be made per quarter on the account with no fees. After the sixth withdrawal, there is a $1.00 fee per withdrawal charged to the account. Interest is paid quarterly and compounded daily.

For more information about Commercial Savings Accounts, please call (580) 226-4610.