Checking Account Solutions

Along your small business journey . . . we’re here to help

Whether you’re overcoming new obstacles or reaching for the next tier of success, our business checking solutions can help to achieve your goals. When it comes to your small business, at Citizens Trust Bank, we always keep the bigger picture in sight. We’re here every step of the way offering financial guidance and the perfect product solutions to move your business forward.

Find the right business checking account for you.

CTB Business Free Checking Account

A Business Free Checking Account with Citizens Trust Bank is for sole proprietorship and non-profit organizations, only – that keep low to moderate balance. CTB Business Free Checking is great for businesses that keep low to moderate balances. This account offers a low minimum balance to open and no monthly service charge.

  • Minimum opening balance-$100.00
  • Free Business Debit Card
  • First 100 transactions Free
  • Maximum of 5000 cash transactions a month
  • E-Statements (required)

Commercial Checking Account

  • Minimum opening balance $100.00
  • Monthly service charge-$15.00
  • Is subject to the Corporate Analysis fee schedule
  • Provides a monthly statement including check images
  • Convenient record keeping for payments and deposits
  • Business Debit Cards available

Small Business Checking Account
Business owners have never had it easier! This account offers a low minimum balance to open and no monthly service charge when qualifying balances are maintained.

  • Minimum opening balance-$100.00
  • Monthly service charge-$12.00
  • Minimum balance required for no monthly service charge-$2,500.00
  • Average daily balance for no monthly service charge-$5,000.00

Super NOW Checking Account
If you own a large business and want to manage the company’s finances while earning a higher rate of interest on the deposit balance Citizens Trust Bank offers an interest bearing demand deposit account designed to meet the needs of most large businesses or corporations-

With a minimum opening deposit of $100,000.00 that is subject to the Corporate Analysis fee schedule. Super NOW Checking offers an Interest Bearing option that pays a competitive rate of interest, based upon the 90-day T-Bill rate, compounded daily and paid monthly – provides a monthly statement including check image services.

Non-Profit NOW Checking
Our Non-Profit Checking account is designed to be used for sole proprietorship, escrow funds and non-profit organizations. It is a demand deposit account that earns interest and will allow you to track organization payments and deposits.

  • Requires a minimum opening deposit of $1000.00
  • Is subject to a maintenance fee plus per debit and credit charges if a minimum balance is not maintained.
  • Convenient record keeping for payments and deposits
  • Interest income on deposit balances

Business Checking Account Application


Savings Account Solutions

It’s Our Business to Help Your Money Grow

Growing your capital with minimal risk there’s no easier way than with a business savings account. That way, your excess cash is always working- even when business is unpredictable. Having the right savings solutions for your business can make all the difference. Citizens Trust Bank’s Commercial Savings Account is perfect for businesses that are looking for a way to build capital.

Commercial Savings Account

The Commercial Savings Account is an interest bearing account designed for our commercial customers. This account offers a competitive interest.

  • Requires a minimum opening deposit of $1,000
  • Monthly service charge of $8 (if balance falls below $100)
  • Three (3) withdrawals allowed per quarter at no additional cost
  • Earns competitive interest rates
  • Transaction limits apply (up to six (6) checks/drafts, automatic or preauthorized withdrawals per calendar month or statement cycle

Commercial Savings Account Application