Cash Management Solutions

Manage your cash flow simply and efficiently. Your business depends on effective cash flow management. Our services can help keep your day-to-day operations running smoothly.

Choose the best Cash Management Solution for your business needs

Online Banking with Digital Invoicing & Accounting

Our Online and Mobile Banking services are designed to save your business time, money, and trips to the bank. You can even get paid faster from clients directly into your Citizens Business Checking account.

  • Fees: No Monthly Fees
  • Multiple payment options including Business Bill Pay and Zelle® for your Business to send and receive payments quickly and securely
  • Get paid faster with Digital Invoicing and Accounting which enables you to invoice, track and accept payments* without moving funds from other apps
  • Don't miss a thing with customized alerts regarding business account notifications, bill pay reminders and security alerts.

Cash Flow Essentials

Get all the essentials. All in one platform. Make payments, get paid faster with digital invoicing and gain valuable insights. Plus peace of mind with ability to protect your business with internal controls.

  • Fees: $49.00/month**
  • Multiple payment options including: Real-Time Payments (RTP), Domestic ACH payments, Domestic & International wire transfers and unlimited mobile check deposits
  • Access robust real-time data with custom ListViews and detailed reporting
  • Protect your business with internal controls. Create user profiles, manage team member payment approvals, and set up transaction alerts.

accessOPTIMA®

An advanced cash management platform for Analyzed Checking Accounts.

  • Fees: Speak to a banker for details
  • Multiple payment options including: Real-Time Payments (RTP), Domestic, International and same day ACH payments, Domestic ACH Debit, Domestic & International wire transfers and unlimited mobile check deposits
  • Access robust real-time data with custom ListViews and detailed reporting
  • Protect your business with internal controls. Create user profiles, manage team member payment approvals, and set up transaction alerts.
  • Additional payment collection services like Lockbox Network and Coin and Currency to maximize cash flow
  • Disbursement services to make accounts payable effortless and secure with Positive Pay and ACH Positive Pay
  • International Banking & Foreign Exchange expertise to enable cross-border payments
  • E-Z Deposit scanner enables you to get faster access to funds

Additional services we offer

Sweep Services

Invest excess cash balance automatically to maintain optimal liquidity—and make your money work harder for you.

Services available:

  • Sweep to Investment
  • Sweep to Line of Credit
  • Sweep to Line of Investment
  • SweepNet® Reporting

Learn more

International Banking & Foreign Exchange

Get the expertise you need to assess and manage risk as you expand your business globally.

Services available:

  • Dedicated Foreign Exchange Trading Desk team
  • Expert risk management guidance
  • Flexible foreign currency accounts

Learn More

Ready to take the next step?

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.

© Citizens Financial Group, Inc. All rights reserved. Citizens is a brand name of Citizens Bank, N.A. Member FDIC

*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.

**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.

Transfers to other financial institutions will incur a $3 fee for standard service (3 days) and $10 for next day service. For up to date Online Banking Terms and Conditions visit https://www.citizensbank.com/account-safeguards/online-terms-and-conditions.aspx

Small Business Bill Pay and e-bills are available through Online Banking only. Mobile Bill Pay is currently unavailable to Small Business customers.