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    Your banking should be easy. Your money should work hard. Put a Citibank Business Checking Account to work for you. With online banking, it's easy to manage your accounts securely and remotely. Also, using eligible checking products can make your business more rewarding with the Citi ThankYou® Rewards for Small Business program.

    Compare Checking Accounts

    CitiBusiness® Streamlined Checking Account

    This basic business checking account is ideal for businesses that make
    fewer than 250 transactions every month.


    Fees & Conditions


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    Right for you if:


    • You make fewer than 250 transactions every month
    • You want NO monthly fee when you keep the minimum balance1
    • You want NO withdrawal fees at Citibank ATMs2
    • You want the protection of FDIC insurance (up to $250,000 per depositor)

    This basic account is perfect for smaller businesses and firms.

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    CitiBusiness® Flexible Checking Account

    This flexible business checking account is suitable for businesses that have a high number of transactions every month and average monthly balances of at least $10,000.3

    Fees & Conditions

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    Right for you if:


    • You make between 250 and 500 transactions1 every month and have an average monthly balance of at least $10,0003
    • You want NO monthly fee when you maintain the minimum balance3
    • You want NO withdrawal fees at Citibank ATMs.2
    • You want the protection of FDIC insurance (up to $250,000 per depositor)
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    CitiBusiness® Checking Account

    This checking account is great for larger businesses with higher average monthly checking balances that make many monthly transactions. It is a non-interest bearing account that offers earnings credits to help offset fees.




    Fees & Conditions

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    Right for you if:


    • You want a monthly earnings credit on your average monthly combined balance to offset monthly maintenance charges, transaction service charges and cash management or other banking service fees on eligible accounts4
    • You expect to use several cash management solutions
    • You need unlimited check writing
    • You want NO withdrawals at Citibank ATMs.2
    • You want the protection of FDIC insurance(up to $250,000 per depositor)
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    CitiBusiness® Interest Checking Account

    This interest-bearing account is perfect for businesses that make fewer than 25 transactions each month and have at least $10,000 in average monthly balances.

    Fees & Conditions

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    Right for you if:


    • You want NO monthly account maintenance fees when you maintain the minimum balance1
    • You want to earn interest on your available balances in your checking account
    • You want NO withdrawal fees at Citibank ATMs2
    • You want the protection of FDIC insurance(up to $250,000 per depositor)
    Compare Checking Accounts


    Specialty Accounts

    CitiEscrow

    Designed for law firms and attorneys who manage client funds, CitiEscrow is a segregated account solution that lets you link individual client sub-accounts to a single master control account.

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    With a CitiEscrow account you can5:

    • Meet requirements imposed by most state bar and appellate court rules for attorney trust accounts
    • Receive a single consolidated monthly statement that details transaction activity for each client account, and, if you like, send customized monthly account statements to individual clients
    • Choose from a non-interest bearing checking account or an IOLA/IOLTA/IOTA to serve as your control account
    • Conveniently open and close client sub-accounts via CitiBusiness® Online
    • Avoid monthly maintenance fees and fees for standard account transactions

    Standalone IOLTA/IOLA/IOTA

    An interest on lawyer's trust account (IOLTA), also called an interest on lawyer's account (IOLA), or interest on trust account (IOTA) lets attorneys keep client funds in a separate pooled account when the amounts of those funds are too low for individual escrow accounts.

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    An IOLTA/IOLA/IOTA lets you5:

    • Meet the requirements imposed by state bar and appellate-court rules
    • Easily manage accounts when you organize them according to your firm's existing billing and filing practices
    • Receive a single consolidated monthly statement that details transaction activity for each client account, and, if you like, send customized monthly account statements to individual clients
    • Conveniently open and close client sub-accounts online
    • Pay no fees for standard account transactions
    • Incur no monthly maintenance fees, which saves you money and simplifies bookkeeping

    Deposit Administrator Account

    Deposit Administrator Accounts are perfect for property managers, CPAs, and business managers of title and real estate companies that administer funds for multiple business clients, subsidiaries or divisions.

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    With a Deposit Administrator Account, you can5:

    • Manage individual business client sub-accounts from a single master control account
    • Offset monthly maintenance and transaction fees with earnings credits
    • Access Citibank's full suite of cash management products to help you manage sub-accounts more effectively and efficiently
    • Use CitiBusiness Online to open and liquidate client sub-accounts that have automated linked and entitlement assignments
    • Track TIN Certification with an online, prefilled Form W9 service
    • Receive a single, consolidated monthly statement that details transaction activity for each client sub-account, and, if you like, send monthly account statements to individual clients
    • Access and download client sub-account summary reports

    Security Deposit Administrator

    A Security Deposit Account is suitable for property managers, landlords, leasing companies and any other companies that manage security deposits.
    Security Deposit Administrator can disburse interest only payments or reinvest interest earned into the tenant account. Where allowed, SDA will collect administrative fees for the property owner.

    Overdraft Protection

    CitiBusiness® Checking Plus

    This revolving line of credit is linked to any Citibank business checking account to provide overdraft protection and uncollected funds protection.6

    CitiBusiness® Safety Check

    CitiBusiness Safety Check covers overdrafts by transferring funds from your linked CitiBusiness IMMA or CitiBusiness Savings account to your CitiBusiness Checking account.

    1. To view fee information and other conditions for your area, use the Fees & Conditions tool.
    2. Other institutions may charge a fee for withdrawals at their ATMs.
    3. Average monthly balance refers to the daily collected balances during a monthly statement period.
    4. Your earnings credit is calculated each month if the combined monthly Average Collected Balance in your linked Eligible Accounts equals $5,000 or more ("Eligible Balance"). A variable earnings credit rate based on the 90-day U.S. Treasury Bill, applied to 100% of the account's eligible balance determines your credit for that month. Eligible balances may be tiered and higher balances may earn higher earnings credit rates. Earning credit cannot be carried over month-to-month and cannot be used for any purpose other than the reduction of designated charges for that month.
    5. Some conditions apply. Ask your Citibank Small Business representative for full details.
    6. CitiBusiness Checking Plus overdraft protection is subject to credit approval.