• Send electronic payments to vendors
• Send electronic payments to employees
• Invoice customers
• Receive electronic payments against your invoices

To pay vendors, employees and invoice customers, simply sign on to Citi Online and go to Payments or Transfers. Once you are enrolled, you can add contacts (payees), and send payments to vendors and employees with a US bank account by using their e-mail address or bank account information.

Your Popmoney^® transaction may be completed in as few as 3 business days—we'll notify you when the transaction is complete.

Citi Merchant Services lets you accept major credit and debit cards—which can add more convenience for your customers, and more sales for your business.

Remote Check Deposit gives you:

• Extended hours for deposit (up to 8:00 pm local time)
• Deposit reconcilement—so you can track deposits by location
• The ability to export data directly into various programs like QuickBooks^® and Excel^®

With CitiBusiness Lockbox, you can turn paper checks into available funds faster by allowing Citibank to receive them on your behalf at a designated P.O. Box. With CitiBusiness Lockbox you can:

• Process and deposit your checks according to your detailed instructions.
• Collect mailed checks in one central location.
• Deposit checks into one, or multiple, accounts.
• Access deposit and document images with CitiBusiness Online.

Managing the details is not. Let us handle your payroll needs with this affordable service that allows you to process payroll in seconds. It even calculates and files payroll taxes on your behalf.

You can easily track spending and avoid the hassles of lost, stolen or late checks. What's more, you can earn amazing rewards while you're at it.

You can track transactions using CitiBusiness Online and avoid the hassle of lost, stolen or late checks.

Wire transfers can be in US. dollars or foreign currency, and can be initiated at CitiBusiness Online or at your nearest Citibank. You can even schedule ongoing wire transfers and view transaction details 24/7... allowing for better visibility of cash flow.

• Great for low-value, non-urgent payments
• Payments can be entered up to 14 days in advance.

And the ACH Debit Filter allows you to authorize certain debits to pass through the block and post to your account. Once implemented, the process is fully automatic. Plus, reports with all your blocks and filters are always available on CitiBusiness Online.

You can choose from various Account Reconciliation plans, including:

• Full Reconciliation—all reconciliation activities; upload issuance files via CitiBusiness Online
• Partial Reconciliation—no check issuance file; paid check report and additional detailed reports
• Range Reconciliation— listing of paid and unpaid checks within a check number range
• Deposit Reconciliation— segregates deposit activity among multiple entities using one deposit account

You can approve or return any checks that do not match those in the issuance file. You'll get:

• A daily alert to exceptions at CitiBusiness Online
• CD-ROM capability for reconciliation report and bank statement storage