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Account Type: Personal Commercial
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Business 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.

Simply Free Business Checking

Perfect for most businesses!
- 1,000 FREE monthly transaction items - No minimum balance - No monthly service charge -

*Minimum opening deposit is only $50.  Other fees such as non-sufficient funds, overdraft, sustained overdraft fees, etc. may apply.  See fee schedule, signature agreement and other disclosures for detailes.

For more information about Simply Free Business Checking, please call (580) 226-4610.
Business Interest Checking

Designed for businesses with higher balances!
- 1,000 FREE monthly transaction items - Competitive interest - Only $5,000 minimum balance to avoid a low monthly fee of $6.

*Minimum opening deposit is only $50.  Other fees such as non-sufficient funds, overdraft, sustained overdraft fees, etc. may apply.  See fee schedule, signature agreement and other disclosures for details.

For more information about Business Interest Checking, please call (580) 226-4610.
Analysis Checking

For businesses with more complex banking needs!
- Earnings credit allowance on deposit balances may offset activity fees - Only $15.00 monthly service charge - Transaction items are just $0.15 each

*Minimum opening deposit is only $50.  Other fees such as non-sufficient funds, overdraft, sustained overdraft fees, etc. may apply.  See fee schedule, signature agreement and other disclosures for details.

For more information about Analysis Checking, please call (580) 226-4610.
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.

Money Market

The minimum amount needed to open a Business Money Market Account is $50.00.
Six withdrawals or debits can be made per month on the account with no fees. After the sixth withdrawal, there is a $10.00 fee per withdrawal charged to the account.  If your balance falls below $2,500.00 during the statement cycle you can be charged a $10.00 fee.

For more information about Business Money Market Accounts, please call (580) 226-4610.

Conditions Monthly Service Charges
$2,500.00 or above $0.00
$2,499.99 or below $10.00
Business Credit Card

Choose the card that is right for your business - Standard Card with no annual fee or the Preferred Points Rewards Card.

Business Card – Standard Card

Features

  • No annual fee.
  • Competitive ongoing APR. *
  • 25-day interest-free grace period on all purchases. No grace period on cash advances.
  • Individual and summary billing options.

Benefits

  • 24-hour toll-free live customer assistance available at 800-367-7576.
  • Online account information available 24/7 at www.cardaccount.net.
  • Rental car collision damage waiver protection and a host of extraordinary MasterCard benefits.

Fees

Business Card – Preferred Points Rewards

Features

  • Earn one reward point for each dollar spent, up to 10,000 points per month.
  • Low annual fee of $49.00 per account.
  • Competitive ongoing APR. *
  • 25-day interest-free grace period on all purchases. No grace period on cash advances.
  • Individual billing option only.

Benefits

  • Redeem your rewards points for cash-back awards, retail gift cards, travel and a wide variety of merchandise including cameras, mp3 players, home theater systems, portable DVD players, sporting equipment, jewelry, luggage, electronics, video game equipment, gift cards and more.
  • To view or redeem rewards points, visit www.mypreferredpoints.com or call 866-678-5191.
  • 24-hour toll-free live customer assistance available at 800-367-7576.
  • Online account information available 24/7 at www.cardaccount.net.
  • Rental car collision damage waiver protection and a host of extraordinary MasterCard benefits

Fees

To Apply Now

  • Download the PDF of the application.
  • Type the information and then print the application (you cannot save the document, so print an extra copy for yourself), or print it and then complete it using a blue or black pen.
  • Supporting documents vary depending on the type of business you have. See chart below.
  • Fax your completed application to the Card Service Center at 877-809-9162.

Or mail your completed application to:

Card Service Center
PO Box 569120
Dallas, TX 75356-9120

*Please see application for information about current APRs and fees.

Supporting Documents for Your Card Application
Sole Proprietor Partnership Private Corporation Public Corporation Non-Profit
Application * * * * *
Organizational papers * * * * *
Borrowing Resolution * * * *
Financial Statements * * * *
Personal Guaranty * * *
Personal Tax Return * * *
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