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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