Business Banking

Small Business Account

An affordable account designed for small businesses or organizations that will have light checking account needs. Small Business Account features include:

$100 minimum to open account
$7.50 monthly maintenance fee; waived if minimum balance of $5,000 maintained
First 25 debit items FREE; $0.25 per item thereafter
NO deposit fees

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Commercial Business Account

Retail and commercial businesses need enhanced features, special attention, and lower costs. Our Commercial Account offers all three. Commercial Business Account features include:

$100 minimum to open account
$5.00 monthly maintenance fee
$0.15 fee per debit item
$0.05 fee per deposit item not drawn on Citizens Bank of Kansas, N.A.,
Account charges to be offset with earning credit equal to the 91-Day T-Bill
rate, based on minimum monthly balance

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Money Market Tiered Account

Our Money Market account offers customers the benefits of a savings account combined with the flexibility of a checking account. Money Market Tiered Account features include:

$2,500 minimum to open account
Interest paid on daily collected balance over $2,500 at bank posted variable rate with tiered interest rates: higher balance = higher interest rate
Only 6 withdrawals permitted per month, including no more than 3 checks
$5.00 fee per excess withdrawal
$6.50 monthly maintenance fee charged if daily balance falls below $2,500

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Certificates of Deposit

Citizens Bank of Kansas, N.A., offers Certificates of Deposit at competitive rates with term lengths to suit every need. The longer the term, the higher the rate!

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*Certain restrictions and limitations apply. See the Visa® Business Benefits Package for complete details.

Merchant Services

Citizens Bank of Kansas, N.A., in partnership with Discover Business Services, leaders in the Merchant Services Industry, offer a wide array of processing, payment, and merchant products for customers in virtually every industry. Using a consultative approach, your Citizens Bank of Kansas, N.A., and Discover Business Services representatives are prepared to discuss your business goals and objectives, analyze your current services, and recommend a strategy designed to meet your needs – enabling you to stay competitive in today’s fast-paced marketplace by gaining efficiencies and maximizing profits.

This diversified product mix includes:

MasterCard®, Visa®, Discover® and American Express® Processing
Check Guarantee Service and Electronic Check Service
On-line Debit Processing
Internet Processing
Gift Card and Loyalty Card Program
EBT processing
On-Line Monthly Merchant Statements
Multiple Merchant Feature (multiple merchant numbers on one terminal)
Mobile Credit Card Terminals
Credit Card Software
Telephone processing – Dial Pay (use any telephone to accept credit cards)

To find out more about what merchant services can do for you and your business, contact your account representative at one of our neighborhood branches.

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