Business Checking Accounts for All Your Daily Transactional Needs

Designed to help your business build and maintain financial strength, both of Citadel’s business checking accounts have day-to-day expenses covered.

Business Checking Accounts

Citadel’s Business Checking accounts were built to empower your growing business to reach the next level.

Choose from Citadel’s Essential Business Checking, a business checking account with no monthly fee or minimum balance, or upgrade to our Elite Business Checking, a premium business checking account with more transactions per month, optional savings sweeps, and two free domestic wires per quarter.

Depending on your needs, you may choose to open an account online or work with one of our Relationship Managers to customize a premium product package that’s tailored to your organization’s current needs and scalable for future growth.

Compare Business Checking Accounts

Choose from either our Essential Business Checking or our Elite Business Checking account, or use both for different purposes depending upon the needs of your business.

Feature  Essential Business Checking  Elite Business Checking 
Transactions per Month
Up to 200 free per month ($0.25 per additional) Up to 500 free per month ($0.25 per additional)
Earns Dividends
No Yes
Free Online Wire Transfers No  2 free domestic wires per quarter via online banking
Monthly Service Charge
$0, no minimum balance or activity requirements
$15 monthly fee, waived with $5,000 average daily balance or $25,000 combined average daily balance
in deposits and month end investment balances, or Citadel Merchant Services

Discounts on Checks
25% discount on first order
50% discount on first order
 Savings Sweeps No  Yes, to Citadel Business High Yield Savings or Business Money Market Account
Free Debit Card
Yes Yes
Transactions at Citadel ATMs
Free Free
ATM Fees from Citadel
None None
Real-Time Account Alerts
Free Free
Mobile Deposit & Digital Wallets
Free Free
External Transfer to/from Other Financial Institutions
Free Free
Online Budgeting Tools
Free Free
Card Control Free Free
Stop Payment Fee $25 $25
Paper Statement Fee
$2 per month  $2 per month
More Details  Learn more about Essential Business Checking Learn more about Elite Business Checking

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