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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.

    Compare Checking Accounts side by side

    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 balanceFootnote 1
    • You want NO withdrawal fees at Citibank ATMsFootnote 2
    • 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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    Fees & Conditions



    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.Footnote 3

    Fees & Conditions

    Hide Show product features about CitiBusiness Flexible Checking Account

    Right for you if:


    • You make between 250 and 500 transactionsFootnote 1 every month and have an average monthly balance of at least $10,0003
    • You want NO monthly fee when you maintain the minimum balanceFootnote 3
    • You want NO withdrawal fees at Citibank ATMs.Footnote 2
    • You want the protection of FDIC insurance (up to $250,000 per depositor)
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    Fees & Conditions


    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 accountsFootnote 4
    • You expect to use several cash management solutions
    • You need unlimited check writing
    • You want NO withdrawals at Citibank ATMs.Footnote 2
    • You want the protection of FDIC insurance (up to $250,000 per depositor)
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    Fees & Conditions


    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

    Hide Show product features about CitiBusiness Interest Checking Account

    Right for you if:


    • You want NO monthly account maintenance fees when you maintain the minimum balanceFootnote 1
    • You want to earn interest on your available balances in your checking account
    • You want NO withdrawal fees at Citibank ATMsFootnote 2
    • You want the protection of FDIC insurance (up to $250,000 per depositor)
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    Fees & Conditions



    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.

    Hide Show account features about CitiEscrow

    With a CitiEscrow account you canFootnote 5:

    • 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.

    Hide Show account features about Standalone IOLTA/IOLA/IOTA

    An IOLTA/IOLA/IOTA lets youFootnote 5:

    • 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.

    Hide Show account features about Deposit Administrator Account

    With a Deposit Administrator Account, you canFootnote 5:

    • 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.Footnote 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.

    You are viewing Rates and Terms & Conditions applicable to a state other than where you live. These Rates and Terms & Conditions may differ from those applicable to your state of residence and will not apply to new accounts you open online. When you open your new account online, Rates and Terms & Conditions will be determined by your state of residence.

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