Business Savings / Investments

Great Rates of Return to Help Your Business Grow

Citizens Bank & Trust offers your business three great ways to let your hard earned savings work harder for you.

Our Business Savings Options:

Business Secure Savings

Our basic account that pays interest.

  • Pays interest (See your Citizens service representative for current rates)
  • No monthly fee if balance stays above $200
  • Minimum opening deposit of $200

Includes $2 fee per withdrawal in excess of 2 per month and monthly fee of $3 if balance drops below $200.

Business Money Market

Earn interest and enjoy easy access to your funds.

  • Pays interest based on the following daily collected balance tiers: (See your Citizens service representative for current rates)
    • $0 – $4,999
    • $5,000 – $9,999
    • $10,000 – $19,999
    • $20,000 – $49,999
    • $50,000 – $99,999
    • $100,000+
  • Unlimited in person and ATM withdrawals
  • Minimum opening deposit of $5000 — Includes limit of 6 withdrawals per statement and no more than 3 by check. Excessive withdrawal fee of $10 per item over regulatory limit.
  • Monthly fee of $10 if minimum daily balance drops below $5,000

Citizens Certificates of Deposit/Time Deposits

Our highest interest paying savings option.

  • Interest is compounded and credited quarterly and at maturity or paid monthly by check or direct deposit (see your Citizens service representative for current rates)
  • Minimum opening deposit of $500

Substantial penalty will apply for early withdrawal. Account automatically renews at maturity.

Ask your Citizens service representative about Direct Deposit