Consumer Section

Merchant Retail Services

Merchant Card Services
Are you ready to start accepting credit cards or need a better solution? Our Merchant Card Services Program allows you a variety of advantages: reduced administrative costs, improved cash flow and quicker access to funds while meeting your customers’ payment needs. The best part, we will work with you every step of the way including training you and your staff on the use of your purchased equipment!

Lockbox Payment Solutions
Our Lockbox services make account receivables a snap. Allows your customers to send payments to a post office box in your company’s name. Citizens Bank collects your mail directly, opens, sort and log all payments received and post checks to your account. Your company receives a daily log sheet, copies of the checks deposited, and the original payment stubs delivered daily right to your door allowing your staff to focus on your customers

Internet Cash Management
Bank on your time schedule using our Internet Cash Management service. You can easily manage many types of transactions including any size direct deposit payroll, tax payments, transfers between accounts and to other financial institutions and wire transfer payments. No initial set-up fees. Monthly fees do apply.

Merchant Gift Card Program
Deposit Checks electronically from your desktop! Your 24-hour Electronic Online Teller. If your depos- its consisted of a high capacity of checks this is one option you will love.

  • Avoid trips to the bank and save on fuel time.
  • Save time preparing deposits.
  • Reduce fraud risk.
  • Initial set up fee

Corporate Credit Card
Apply for a Corporate Credit Card under the name of your business with personalized cards for any number of qualified individuals. Your Corporate Card will be managed and approved locally. We offer competitive rates with no annual fee. A signed application and current financials is all you need to get started.