Products & pricing based on your business address

SMALL BUSINESS CHECKING

See how our checking accounts stack up for your business

Citi has a variety of checking accounts designed to help your business succeed – whether you're just starting out or well-established.

Request a Call
  • Access to over 60,000 ATMs1 with no surcharge fee
  • FDIC-insured up to $250,000
  • Overdraft protection available
Compare our Checking Accounts
AccountCitiBusiness® Streamlined Checking AccountCitiBusiness® Flexible Checking AccountCitiBusiness® Analyzed Checking AccountCitiBusiness® Interest Checking Account
Description
DescriptionCitiBusiness® Streamlined Checking AccountThis basic account appeals to smaller businesses.CitiBusiness® Flexible Checking AccountSuitable for businesses that have a high number of transactions every month.CitiBusiness® Analyzed Checking AccountA non-interest-bearing account for businesses with higher average monthly checking balances. Earnings credits can help offset2 your eligible banking fees.CitiBusiness® Interest Checking AccountThis interest-bearing account is suitable for businesses with few monthly transactions.
Right for you if
Right for you ifCitiBusiness® Streamlined Checking Account You make up to 250 basic transactions each month CitiBusiness® Flexible Checking Account You make up to 500 transactions each month CitiBusiness® Analyzed Checking Account You are a larger business with a high number of transactions each month CitiBusiness® Interest Checking Account You make fewer than 25 transactions each month
Minimum deposit to open
Minimum deposit to openCitiBusiness® Streamlined Checking Account $1 CitiBusiness® Flexible Checking Account $1 CitiBusiness® Analyzed Checking Account $1 CitiBusiness® Interest Checking Account $1
Monthly account maintenance fee
Monthly account maintenance feeCitiBusiness® Streamlined Checking Account $15 CitiBusiness® Flexible Checking Account |Rate2| CitiBusiness® Analyzed Checking Account $24 CitiBusiness® Interest Checking Account |Rate3|
Waive fee by keeping a monthly balance of3
Waive fee by keeping a monthly balance of3CitiBusiness® Streamlined Checking Account true $5,000 CitiBusiness® Flexible Checking Account true $10,000 CitiBusiness® Analyzed Checking Account Not available CitiBusiness® Interest Checking Account true $10,000
Included monthly transactions4
Included monthly transactions4CitiBusiness® Streamlined Checking Account true 250 CitiBusiness® Flexible Checking Account true 500 CitiBusiness® Analyzed Checking Account None CitiBusiness® Interest Checking Account true 25
Included monthly cash deposits
Included monthly cash depositsCitiBusiness® Streamlined Checking Account true |Rate1| CitiBusiness® Flexible Checking Account true $20,000 CitiBusiness® Analyzed Checking Account None CitiBusiness® Interest Checking Account true |Rate4|
Overdraft protection available
Overdraft protection availableCitiBusiness® Streamlined Checking Account true CitiBusiness® Flexible Checking Account true CitiBusiness® Analyzed Checking Account true CitiBusiness® Interest Checking Account true
Earn interest on your account balance
Earn interest on your account balanceCitiBusiness® Streamlined Checking Account No CitiBusiness® Flexible Checking Account No CitiBusiness® Analyzed Checking Account No CitiBusiness® Interest Checking Account true
Eligible for earnings credit
Eligible for earnings creditCitiBusiness® Streamlined Checking Account No CitiBusiness® Flexible Checking Account No CitiBusiness® Analyzed Checking Account true CitiBusiness® Interest Checking Account No

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 ATMs1. 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

Mobile

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

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

1-877-528-0990
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.

  1. 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.

  2. 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 US. 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.
  3. Average Collected Balance refers to the daily collected balances in your linked Eligible Accounts during a monthly statement period.
  4. Basic transactions include checks paid, deposit tickets, deposited items, ACH debits and ACH credits. A fee per transaction will apply after you exceed the total number of included transactions, in any combination during a calendar month. Refer to the CitiBusiness Schedule of Standard Fees and Charges for complete list of fees.