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

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 and optional savings sweeps.1

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 Yes2
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 Account1
Free Debit Card
Yes Yes
Transactions at Citadel ATMs
Free Free
ATM Fees from Citadel3
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, waived with enrollment in electronic statements via Online and Mobile Banking  $2 per month, waived with enrollment in electronic statements via Online and Mobile Banking
More Details  Learn more about Essential Business Checking Learn more about Elite Business Checking

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Agreements and Disclosures

View Agreements and Disclosures

All standard account requirements apply. Information accurate as of and subject to change without notice. Fees may reduce earnings.

1 Must be connected to a Business High Yield Savings account or a Business Money Market account and maintain a minimum balance of $10,000 in the Elite Business Checking account.

2 Minimum balance to earn dividends is $5,000.

3 ATM transactions at non-Citadel ATMs may be subject to a surcharge from the ATM owner. For a list of ATMs with no surcharge, visit Citadelbanking.com/atm.