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Home \ Business Banking \ Business Checking and Savings

Business Checking and Savings

Regular Business Checking

This account is best for businesses that receive and write a high volume of checks. Depending on the average collected balance, the EARNINGS CREDIT may result in little or no service charge per month.

  • Monthly Maintenance $7.00
  • Charge per check deposited .035
  • Charge per check written .15

An earnings credit rate will be applied to your average collected balance to offset applicable charges listed above. The rate will be equal to the CB Money Market Checking base effective on the first business day of the month. Negative collected balances will be charged at a rate of 6% above the earnings credit rate. Sole proprietors may earn interest. Please ask for details.

Low Activity Business Checking

This account is best for businesses that normally deposit and write a limited number of checks each month.

  • No Minimum balance
  • $4 service charge per month
  • 50 items free per month (checks and deposited items)
  • Over 50 items, there is an additional $.20 service fee per item

Business Analysis Checking

This account is best for high volume, multiple account business customers. Please ask for details.

Money Market Business Checking

This account is for sole proprietorships only, however sole proprietors may choose other business checking options that suit them best.

  • $200 minimum or $1,000 average collected balance
  • If below minimum, there is a $4 service charge per month plus $.20 per check
  • Interest compounds monthly
  • Features tiered interest rates
  • No charge for check safekeeping or check images returned

Business Savings

  • $100 minimum to earn interest
  • Interest compounds quarterly
  • $6 service charge per quarter if your average ledger balance falls below $50

Business Money Market Savings

  • $1,000 minimum balance
  • Interest compounds monthly
  • Tiered interest rates
  • $4 service charge per month if fall below minimum

Business CB Investment Savings

  • $15,000 minimum balance
  • Interest compounds monthly
  • Tiered interest rates
  • $10 service charge per month if below minimum

Withdrawal limitations may apply to all savings accounts.

To speak with an account representative, call at 320-587-2233.

Understanding Your Deposit Account – Terms and Conditions

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Member FDIC

Downtown Office

102 Main St South
PO Box 339
Hutchinson, MN 55350

Phone 320-587-2233
Toll 888-234-2910
Fax 320-587-5738

South Office

1390 Hwy 15 South
PO Box 339
Hutchinson, MN 55350

Phone 320-587-2233
Fax 320-234-0682

Lobby Hours

Mon-Fri 9am-4pm

Drive Thru Hours

Mon-Fri 8am-5pm
Saturday 9am-12pm
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© 2023 Citizens Bank & Trust Co.
All Rights Reserved. Privacy Policy

Website Developed by Vivid Image