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Business Checking Accounts for All Your Daily Transactional Needs
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.
Online Banking Tools
Manage your money 24/7 from the office or on-the-go with simple, helpful tools.
Dedicated Relationship Managers
Establish a meaningful partnership with one of our experts that you can depend upon.
Cash Management Solutions
Do more with Merchant Services, Payroll & HR, and Remote Deposit Capture.
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 |
Ready to open a checking account?
Get StartedFind an ATM or Branch Near You
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.
