Make your cash reserves work for you with a Business Savings Account from Citizens Bank.

We offer two options for optimizing your liquid assets with competitive interest rates and seamless integration with our suite of digital banking tools. Plus, when you bank with Citizens Bank, you’ve always got someone in your corner. We’ve been supporting the growth goals businesses across Tennessee for 90 years, and we’re proud to continue that tradition of fast and friendly service.

Level up your business with a savings account that works for you:

  • Earn interest with a low minimum balance
  • No Monthly Fee with a $100 Minimum Daily Balance1
  • Earn Daily Simple Interest that is Paid Quarterly
  • Six Withdrawals Per Quarter at No Charge2
  • Digital Banking

1 A service charge fee of $10.00 will be imposed every statement cycle if the balance in the account falls below $100.00 any day of the cycle.

2 Withdrawals are limited by regulation. A service charge fee of $2 will be charged for each debit transaction (withdrawal, transfer or payment out this account) in excess of 6 per quarter. Continued excessive withdrawals may result in conversion of the account to an eligible account.

Gain access to higher interest rates on higher balances while maintaining liquidity and easy mobile oversight.

  • No Monthly Fee with a $2,500 Minimum Daily Balance1
  • Tiered Interest Levels Pay Higher Interest for Higher Deposits (daily simple interest paid monthly on collected balances)
  • Digital Banking
  • Six Withdrawals Per Month2

1 A service charge fee of $15.00 will be imposed every statement cycle if the balance in the account falls below $2,500.00 any day of the cycle.

2 Withdrawals are limited by regulation. A service charge fee of $10 will be charged for each debit transaction (withdrawal, transfer or payment out this account) in excess of 6 per month. Continued excessive withdrawals may result in conversion of the account to an eligible account.

With a Certificate of Deposit (CD) from Citizens Bank, experience the reassurance of steady and secure growth. Your deposits are insured, providing an additional layer of protection. Watch your savings maintain momentum with competitive interest rates and flexible term options designed to help you achieve your financial goals.

Click HERE to view our current CD rates.

Access multimillion-dollar FDIC protection for your business’s hard-earned cash reserves.

Secure additional protection for funds placed in demand deposit accounts and money market deposit accounts through the IntraFi Network Deposits CD Option (formerly CDARS®) or the IntraFi Network Deposits DDA-MMA Option (formerly ICS®) – both offered at our bank.

Limits, terms, and conditions apply. Placement of funds through the IntraFi Network Deposits CD Option formerly CDARS® or IntraFi Network Deposits DDA-MMA formerly ICS® option is subject to the terms, conditions, and disclosures in the service agreements, including the Deposit Placement Agreement (“DPA”). Limits apply. In the IntraFi Network Deposits DDA-MMA option formerly ICS®, program withdrawals are limited to six per month. Although funds are placed at destination banks in amounts that do not exceed the FDIC standard maximum deposit insurance amount (“SMDIA”), a depositor’s balances at the relationship institution that places the funds may exceed the SMDIA (e.g., before IntraFi Network Deposits CD Option formerly CDARS® settlement for a deposit or after IntraFi Network Deposits CD Option formerly CDARS® settlement for a withdrawal). As stated in the DPA, the depositor is responsible for making any necessary arrangements to protect such balances consistent with applicable law. If the depositor is subject to restrictions on placement of its funds, the depositor is responsible for determining whether its use of IntraFi Network Deposits CD Option formally CDARS® satisfies those restrictions. 







Click here for important information regarding the opening of new business accounts.

NOTICE - UNLAWFUL INTERNET GAMBLING ENFORCEMENT ACT OF 2006

This notification is provided pursuant to the Unlawful Internet Gambling Enforcement Act of 2006 which Citizens Bank is required to enforce. The Act prohibits any person engaged in the business of betting or wagering, or any other commercial customers, from knowingly accepting deposits or other credits or payments of any kind in connection with the participation in unlawful Internet gambling. As an accountholder, these restricted transactions are prohibited from being processed through the account or relationship with us. If you engage in an Internet gambling business and open an account with us, we must ask that you provide evidence of legal authority to engage in the Internet gambling business. Additionally, you must agree to tell us if your account is ever used in connection with Internet gambling, even if you believe that the gambling is legal. If you don't notify the bank, we may deny further access to various payment methods or close your account.