Who We Serve

Smart Solutions for Businesses of All Sizes

Whether you're just opening your doors or looking to take your enterprise to the next level, we’re here to support your efforts and empower your success.

All standard account requirements apply. Information accurate as of and subject to change without notice. All rates expressed as Annual Percentage Yield (APY). APY is variable and can change without notice. Fees may reduce earnings.

¹ Elite Business Checking: Transactions are defined as any checks paid, withdrawals, deposits, debit card transactions, and ACH debits and credits. First 500 transactions each statement cycle are free. Any transaction thereafter incurs a $0.25 fee per transaction.

² Essential Business Checking: Transactions are defined as any checks paid, withdrawals, deposits, debit card transactions, and ACH debits and credits. First 200 transactions each statement cycle are free. Any transaction thereafter incurs a $0.25 fee per transaction.

³ Applies to all certificates: Minimum deposit to open and earn standard APY is $500. Bonus APY available on certificates opened with a minimum deposit of $75,000 or more. You may not make any deposits to this Account after it is established. Your Account will automatically renew at maturity. You will have a grace period of 10 calendar days following maturity to make withdrawals from or deposits to Your Account. Citadel will impose a penalty if you withdraw any of the funds before the maturity date. The penalty imposed will equal 90 days of dividends on your account for account terms of one year or less; 180 days of dividends for account terms greater than one year and less than three years; and 365 days of dividends for account terms of three years or greater. We calculate all early withdrawal penalties on the principal amount withdrawn at the dividend rate in effect on the account on the withdrawal date. If your account has not earned enough dividends to cover an early withdrawal penalty, we deduct any dividends first and take the remainder of the penalty from your principal.

⁴ Business High Yield Savings: Minimum balance to earn APY is $5,000.

⁵ Business Money Markey: The monthly service fee is $10 per month. Fee is waived for 90 days from the account open date. Avoid the $10 monthly service fee by meeting one of the following requirements each statement cycle: Average daily balance is $2,500 or more and/or maintain an Elite Business Checking account with Merchant Services Enrollment and at least one merchant services deposit per month.

⁶ Business Mastercard: Rewards are earned on purchases minus any credits or returns (“net purchases”).

Cash advances and balance transfers are not considered purchases and will not earn rewards.

For category bonus rewards, merchants are assigned a merchant category code by the merchant or its processor in accordance with Mastercard procedures based on the kinds of products and services the merchant primarily sells. Citadel does not control the assignment of these codes and is not responsible for the codes used by merchants. You may expect a purchase to earn rewards within a category, but if the code assigned to the merchant isn’t within that category, your purchase will not qualify for the bonus points. In addition, some purchases made through third-party accounts, mobile or wireless card readers, online or mobile digital wallets, or similar technology may not qualify in a rewards category, depending on how the technology is set up to process the purchase.