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FDIC-Insured - Backed by the full faith and credit of the U.S. Government
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Business Cash Management

At The Citizens Bank, we understand that every business has unique cash flow needs. That's why we offer a suite of Cash Management services designed to help you move money efficiently, manage accounts securely, and gain greater control over your finances. From Remote Deposit Capture and ACH services to Positive Pay fraud protection and online treasury management tools, we combine modern technology with local decision-making and personalized service to help your business operate with confidence.


ACH
Speed up payments and collections with the nationwide Automated Clearing House (ACH) network. ACH allows you to electronically receive and send payments, helping your business improve efficiency, accuracy, and cash flow.
ACH Block

Protect your business from paying unauthorized ACH transactions. You can control who can post ACH debits to your account and block and return any that are not authorized.

Online Banking
  • Multiple users
  • Custom user authority levels
  • Dual authentication
Sweeps

The goal with any type of sweep account is to keep your money working as hard as it can at all times.  Funds can be swept from your investment account or line of credit into your transaction account to pay bills or cover your payroll. Conversely, excess funds in your transaction account can be swept back to the investment account. 

Positive Pay

Positive Pay works to reduce the risk of financial loss to your business by matching the account number, check number, and dollar amount of each check presented for payment against a list of checks your business has authorized for payment.

Wires

When you need to send or receive funds fast, Wire Transfers provide secure, same-day movement of funds—domestically and internationally.

Remote Deposit Capture

Make check deposits right from your office—anytime before 7:00 PM. All you need is a computer, internet access, and a bank-provided scanner.

Ideal for businesses that:
  • Handle a high volume of checks
  • Operate outside normal banking hours
  • Want to save time and reduce trips to the branch

Key Benefits:
  • Secure and convenient check scanning at your location
  • Eliminate time and travel costs
  • Deposit from multiple business locations
  • Choose from scanners based on your check volume
  • Faster access to your funds
RemitPlus Express™

An integrated receivables and lockbox solution that helps you process checks, payment stubs, and coupons together for faster posting and reconciliation.

Features:
  • Scan checks, stubs, envelopes, and more
  • Import bill pay and electronic transactions
  • Read barcodes, OCR scanlines, and even handwritten fields
  • Customize batch types and workflows
  • Validate with lookup tables, stop lists, and reject reason codes

Benefits:
  • Streamlined payment processing
  • Posting to core accounting systems
  • Built-in fraud detection tools
  • Secure online reporting and archival access
IntraFi® Network Deposits

(Formerly CDARS® and ICS®)

TCB now offers IntraFi® Network Deposits, giving your business access to multi-million-dollar FDIC insurance—while earning interest and maintaining liquidity.

With IntraFi, you can:
  • Protect large balances with full FDIC insurance coverage
  • Simplify your banking by working with one trusted institution
  • Earn interest on excess cash through money market accounts
  • Maintain access to your funds—ICS allows withdrawals up to six times monthly

Watch how it works: