Products & pricing based on your business address

Small Business Banking

CitiBusiness® Analyzed Checking

Offset your eligible banking fees with earnings credits1 when you maintain an average collected balance of $5,000 per month. Take advantage of our various cash management solutions.

Visit a Branch

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  • Earnings credit to offset fees
  • Unlimited check writing
  • Access to over 60,000 ATMs2 with no surcharge fee
  • FDIC insured up to $250,000

These checking accounts include

Online Banking

Citi’s online banking tools help you manage your day-to-day business transactions

Debit Cards

Make deposits and withdrawals at ATMs2. Get a debit card for yourself and your employees

Bill Pay

Manage all of your bills online in one place

Account Alerts

Set your alert preferences and receive notifications by text or email

Security & Fraud Protection

We help protect your accounts from online fraud risks, so you can bank with confidence


Make mobile transfers, pay your bills, monitor transactions and more

Overdraft Protection

Providing a variety of services to help protect your accounts.

CitiBusiness® Checking Plus

This revolving line of credit provides protection3 for overdrafts and uncollected funds.

CitiBusiness® Safety Check

This covers overdrafts by transferring funds from your linked CitiBusiness IMMA or CitiBusiness Savings account to your business checking account.

How to open an account

Prepare your documents

Get the documents you need before you visit the branch.

What to Bring

Visit a branch

Open an account with us by visiting your nearest Citibank branch.

Locate a Branch

Still have questions?

Call our customer service specialists

For TTY: We accept 711 or other Relay Service.
We're available Mon-Fri 7 AM to 11 PM ET and Sat-Sun 9 AM to 5:30 PM ET.

Services to help grow your business

  1. Your accounts can generate earnings credit each month that the combined Average Collected Balance in your linked Eligible Accounts equals $5,000 or more ("Eligible Balance"). The variable earnings credit rate is based on the 90-day U.S. Treasury Bill interest rate, applied to 100% of the Eligible Balance for that month. Eligible Balances may be tiered and higher balances may earn higher earnings credit rates. Earnings credit cannot be carried over month-to-month and cannot be used for any purpose other than the reduction of eligible banking fees for that month.
  2. Get cash, view account information and make transfers between your eligible linked Citibank accounts with no surcharge fee when you use your Citibank Banking Card at ATMs in the U.S. located at Citibank branches and select retail store locations, as well as participating in the MoneyPass® Network. ATMs in other retail stores and other non-Citi locations are not owned or operated by Citibank. Use the Citi Worldwide ATM/Branch Locator on Citibank Online or the Citi Mobile® App to find the nearest ATMs and branches, including non-Citibank ATMs in the U.S. with no surcharge fee.

    MoneyPass is a registered trademark of Fiserv, Inc.

  3. CitiBusiness Checking Plus overdraft protection is subject to credit approval.