Take advantage of our Merchant Retail Services - including Merchant Card Services, Lockbox payment solutions, Internet cash management, and corporate credit cards - in order to make your business’ operations run smoothly and efficiently. These time-saving solutions will give you the freedom to focus more on your customers.


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, sorts and logs all payments received and posts 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

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.

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.