Business Checking and Savings Plans

Business Checking
Business Savings
Merchant Services

Business Checking

At Citizens Bank and Trust, our Business Checking has NO hidden charges.

Simply maintain a $1,000 minimum daily balance or a $1,500 average daily balance. If the minimum balance requirement is not met, the account will be charged $7.00 per month. That's right. Just $7.00.

• NO per check charges
• NO per item charges
• NO deposit charges

And as an added bonus, each additional Business Checking account, titled in the exact same business name, only requires a $100 minimum daily balance or $200 average daily balance to avoid a monthly fee of $7.00.

Cash Management Services, including overnight sweep accounts, are also available.

Call or visit one of our convenient Polk County locations to find out more about banking smart.

Business Savings

Regular Savings

(personal and business)

• $100 to open (minor accounts excluded)
• $100 average daily balance OR $1.00 monthly fee (minor accounts excluded)
• Withdrawals or transfers from a Regular Savings account to another account or third parties are limited to 6 per monthly statement cycle. Additional transactions are $1.00 each. 

Certificates of Deposit

$1,000 minimum required for all CDs

Certificates of Deposit are available in a wide range of terms to fit the individual needs of our customers. Current rates may be obtained by calling a member of our friendly customer service staff.

Individual Retirement Accounts

We offer IRA accounts with various maturities on Certificates of Deposits. For more information, please contact your nearest Citizens Bank & Trust location.

Merchant Services

Wouldn't you like to increase your sales and profit?
You can.
With our Credit Card Acceptance Program

We want to be your partner in credit card acceptance.

We also want to make credit card acceptance easy. We provide a variety of services, offer the latest in technology at affordable prices, and can deposit funds electronically into your existing bank account.

We offer customized packages for:

• Retailers
• Restaurants
• Hotels and Inns
• Service Industry
• Mail Order Businesses
• Telephone Order Businesses

We are committed to your success. Our commitment means you will receive exceptional customer service; 24/7 technical support; state-of-the-art equipment; and fast access to your funds.

After all, you've got a business to run -
Let us concentrate on your payment processing.