All the essentials. All in one place.

Citizens Cash Flow Essentials™ — cash management for your small business

Person sitting down looking at telephone

Take care of all your cash flow needs without bouncing between multiple apps, software, and tools.

Make payments simple

View, manage, and initiate transactions, including:

Real-Time Payments (RTP)
Domestic ACH payments
Domestic & International wire transfers
Eligible Citizens business loan payments, draws and reports
Unlimited mobile check deposits

Get paid faster

Receive payments without moving funds from other apps. Plus:

Send customized invoices
Track & categorize payments
Accept credit, debit, and ACH payments
See who’s paid & what’s due

Gain valuable insights

Access robust real-time data that enables you to:

Customize ListViews to clearly view cash positions
Gain better visibility into cash flow turn times
See Business and Commercial loan detail & summary reporting

In the office or on the go, you have the power to keep your business running smoothly and securely.

Accounting

Add Autobooks for only $9.99/month* to seamlessly integrate online accounting into your Cash Flow Essentials.

Security

Protect your business with internal controls. Create user profiles, manage team member payment approvals, and set up transaction alerts.

Support

Partner with cash management experts who understand your business’s cash flow needs.

Take control of your cash flow for only $49.00/month*

Eliminate your chaotic cash flow processes and get back to running your business. Meet with Citizens to simplify your payments, reporting, and more with Cash Flow Essentials.

Frequently Asked Questions

As part of your monthly subscription, you will receive the following capabilities:
- ACH credits originated – excludes International, debit, and same day
- ACH Notification of Change/Returns Report
- Wire origination capabilities - Domestic & International – per wire dollar and daily limits apply
- Real Time Payment - outgoing transactions - per RTP dollar and daily limits apply
- Real Time Payment messaging on payments received
- Mobile Check Deposit – no scanner capabilities
- Stop Payment Capabilities – per stop payment fees apply
- Eligible Business Banking Loan Payment Capabilities
- Eligible Business Banking Loan Draw Capabilities
- Commercial Loan Summary
- Commercial Loan Detail
- Internal Transfer Capabilities
- Send customized invoices
- Track and categorize payments
- Accept online, credit, debit, and ACH payments
- See who's paid invoices and what's due
- eStatements
- Balance & Transaction Report
- Wire originated from platform fees
- Stop Payments originated from the platform fees – you will be charged per stop payment
- Any excessive transaction fees based on account type
- Add Autobooks accounting for only $9.99/month* to seamlessly integrate online accounting into your Cash Flow Essentials

Frequently Asked Questions for those enrolled in Autobooks

Get in touch with our team. All fields are required unless marked as "Optional".

Please note: Citizens Business Banking Products and Services are offered in the following states: Connecticut, Delaware, Florida, Maryland, Massachusetts, Michigan, New Hampshire, New Jersey, New York, Ohio, Pennsylvania, Rhode Island, Vermont, Virginia and Washington, D.C.

*The initial fee for the Services will be $49 per month. The monthly Cash Flow Essentials fees do not include other bank charges and fees associated with Customer’s account(s), such as wire transfer, account maintenance fees, volume fees, etc. as disclosed in the Business Deposit Account Agreement and the Business Deposit Fees & Features.

Customer may have the option of enrolling in the optional accounting feature offered via Autobooks for an additional $9.99 per month. This additional fee will not be charged unless Customer enrolls in the optional accounting features. Incoming payments received using the optional digital invoicing feature will incur a 3.49% interchange fee for card payments and a 1.00% fee for ACH payments.

Customer acknowledges that Citizens may amend the fees of the Services upon 30 days’ notice to the Customer and that the current fees will always be set forth in the Terms and Conditions currently in effect, available at https://www.citizensbank.com/cash-flow-essentials.

Customer acknowledges that IOLTA or Escrow accounts should not be enabled as billing accounts for Cash Flow Essentials or Autobooks, and Customer bears all liability in the event that an IOLTA or Escrow account is billed.