Cash Management

When it comes to running any successful business, cash flow is key. That’s why we are dedicated to delivering products designed to manage your deposits, payments and keep your accounts secure.

Deposit Solutions

Citi offers a range of deposit solutions to manage your funds.

Remote Check Deposit

Skip a trip to the bank. Depositing funds is more convenient than ever.
  • Easily scan checks and make deposits right from your office until 11 PM ET for same day posting1
  • Single-feed remote check scanner included1

Mobile Check Deposit

Deposit checks anytime using your iOS® or AndroidTM devices and the Citi Mobile® app.
  • Deposit your checks without a trip to the bank. This service allows you to deposit checks directly from your mobile device using your Citi Mobile® app.2

CitiBusiness Lockbox

Citi will quickly and efficiently turn paper checks into available funds on your behalf. Take this task away from your staff and give them more time to focus on your business priorities.
  • Collect mailed checks and credit card payments at a single P.O. Box
  • Deposit checks into one or multiple accounts according to your detailed instructions
  • Access deposit and document images with CitiBusiness® Online

Automated Clearing House (ACH)

Secure, reliable and cost-effective electronic collection of receivables.
  • Automate your high-volume receivables
  • Schedule up to 14 days in advance

Payment Solutions

Citi offers secure payment services that are designed to efficiently pay vendors and suppliers on time.

Wire Transfers

Move funds within the U.S. or internationally.3
  • U.S. dollars or foreign currency
  • Send digitally or at a branch

Automated Clearing House Origination (ACH)

Improve the speed, accuracy and convenience of your payments.
  • Use for electronic payments directly to payee’s bank account
  • Enter payments up to 14 days in advance

Enroll with Zelle®

Send, request and receive money in minutes.4
  • Payments received will be deposited to your CitiBusiness Checking account
  • No fee from Citi for sending and receiving payments

Bill Pay

Conveniently manage your bill payments.
  • Set up one-time or recurring payments
  • Save payee information and efficiently make future payments

Fraud Solutions

Citi offers small business fraud solutions to help protect your accounts.

Check Positive Pay

Add an extra layer of protection with this check fraud prevention feature that automatically compares details of checks written on your Citibank Checking account and compares them to the issue file you upload.
You can approve or return any checks that do not match those in the issuance file. You’ll get:
  • A listing of checks that do not match your issuance file (exceptions) each day and the ability to Pay or return them with a single click
  • Several options to meet the specific needs of different size businesses
  • Ability to obtain software to assist in creating properly formatted issuance files

ACH Positive Pay

ACH Positive Pay is a simple way to prevent ACH fraud.
  • Authorize certain debits to pass through the block and post to your account automatically
  • Reports and filters always available on CitiBusiness Online

Account Reconciliation

Make balancing accounts as simple, accurate and efficient as possible.
  • Full Reconciliation – comprehensive reconciliation reports, including account balances and information on checks outstanding; upload issuance files via CitiBusiness Online
  • Partial Reconciliation – no check issuance; paid check report and additional detailed reports
  • Deposit Reconciliation – segregates deposit activity among multiple locations or departments using one deposit account

Small Business Credit Cards

Whether you want to earn miles or cash back: the choice is yours. Citi has a unique set of small business credit cards with benefits to help your business thrive.*

*Subject to credit approval

Contact a Business Specialist

To learn more about CitiBusiness Solutions, request a call from one of our business specialists.

  1. Deferred purchase price may apply if service is canceled within 24 months. Certain other restrictions apply. Refer to the Business Banking Master Cash Management Service Agreement for details.
  2. Regular account charges apply. Citibank does not charge you a fee for using the Citi Mobile® App or the Mobile Check Deposit service. You must have internet access through your mobile device and charges from your wireless carrier may apply. The Mobile Check Deposit service is subject to eligibility. Deposit limits and other restrictions apply. Android is a trademark of Google Inc. Use of this trademark is subject to Google Permissions. iPhone, iPod touch are trademarks of Apple Inc. registered in the United States and other countries. App Store is a service mark of Apple Inc., registered in the United States and other countries.
  3. Fees generally apply.
  4. To send money to or receive money from a small business, a user must be enrolled with Zelle directly through their bank’s or credit union’s mobile app. Transactions typically occur in minutes when the recipient's email address or U.S. mobile number is already enrolled with Zelle.