Business Lines of Credit

Business Services

Manage your Business and Banking the Smart Way

A business account shouldn’t include hidden charges in order to do more for you and your business. Our accounts will work for you and you won’t discover hidden charges, just straight forward banking tools to increase your business banking capabilities.

  • Cash Management Sweep Services
  • Lockbox Services
  • Business Credit Cards
  • Merchant Services
  • ACH Payroll/Direct Deposit
  • Positive Pay
  • Safe Deposit Boxes1
  • Wire Transfers
  • Cashier’s Checks
  • Money Orders
  • Night Depository

Remote Deposit Capture

Remote Deposit Capture is a service which allows you the ability to make deposits electronically from the comfort of your office.  An easy-to-use scanner creates a digital deposit from your office computer to give you a quick and easy way to make deposits.  In addition, scanning checks remotely eliminates the need for a trip to the bank, manually “logging in” checks, and filling out deposit slips.

  • Monthly fee of $45
  • One-time installation fee of $45
  • Scanner lease - $45 per month or purchase
    for $900 (Purchased scanners have a 6 month factory
    warranty. A maintenance plan may be purchased for $100
    per year.)

(Subject to approval. See Account Disclosures and Schedule of Fees for details.)

Online Banking & Bill Pay Service

Our Online Banking Service offers features that allow you to check your balances, make transfers to another CB&T account, advance on CB&T lines of credit, and view account activity. You can even download your transaction history into QuickBooks©, Quicken©, or Microsoft Money©.

With our Bill Pay feature, you can receive electronic bills, set up recurring payments, and pay your bills.

The best part is that all this is accomplished through the convenience of your computer, laptop, tablet, or smartphone. We also provide an Enhanced Security feature, which allows you the ability to control which employees are given full or limited online access to your account information.


(Some services may be subject to approval and could incur additional service fees. See Account Disclosures and Schedule of Fees for further details.)

1 We do not provide insurance coverage for the contents of Safe Deposit Boxes, nor are the contents insured by the Federal Deposit Insurance Corporation (FDIC). You may, at your own expense, secure your own insurance.

(See Schedule of Fees and Account Disclosures for further details regarding any restrictions, requirements, additional fees, or services.)

Business Lines of Credit

A revolving line of credit at Citizens Bank & Trust will provide the flexibility to borrow as much or as little as you need to meet your specific immediate working capital needs. You’ll be working with an experienced local banker who will visit with you at your business to build a relationship by learning about your business.  Together we can understand your goals and plans while our local decision making will enable us to be responsive to your needs.

Easy Access

Our Mobile Banking Services provide 24/7 access to your Citizens Bank & Trust accounts through your tablet or smartphone. This gives you the ability to conveniently pay your bills, check your balances, make transfers, deposit checks and much more while on the go.