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More Than a Bank, Your Business Partner

From florists to farmers, no two businesses are alike. You work hard running your business, so let our business banking experts work hard for you. Whether it’s a business loan, setting up a Merchant Services program, or providing payroll services, you have a new business partner at Citizens Bank of Kansas.

Bank on it!

Business Checking

We offer a wide range of checking accounts to meet your business’s needs, including a free checking account and an interest-earning checking account.

Business Checking

Small Business Loans

From start up to working capital loans, our lenders can guide you through the maze of funding issues. At CBK, no loan is a small loan when it comes to business!

Small Business Loans

Commercial Loans

Talk to Citizens Bank of Kansas about the resources we have to offer you — including traditional loans, SBA loans, and alternative lending options.

Commercial Loans

Agribusiness Loans

Our loan officers can help with everything from basic ag lending to assistance with government lending programs specifically designed for farmers and ranchers.

Agribusiness Loans

Business Debit & Credit Cards

Experience the ultimate in financial convenience with VISA® Business Debit Cards or Commercial Credit Cards.

Business Debit & Credit Cards

Business Online Banking

Citizens Bank of Kansas is pleased to offer Online Banking, Bill Pay, and Mobile Banking for businesses large and small.

Business Online Banking

Business Services

Take your company to the next level with Business Bill Pay, Merchant Services, Remote Deposit Capture, Payroll Services, and Positive Pay.

Business Services

Dillehay Orthodontics has been a loyal customer of Citizens Bank of Kansas for several years now, and I cannot speak highly enough of the exceptional banking services they offer. This local bank has consistently exceeded my expectations, both in terms of personal and business banking, making them an outstanding choice for anyone seeking a reliable financial partner.

When we decided to open our salon, our bank of twenty years declined to help us; we were shocked. Citizens Bank of Kansas was honestly our last hope, a referral from another small business owner in town. CBK took a chance on us when nobody else would. They are not just a bank; they are partners in our community. They have become our customers and friends. We have not only a bank, but also counsel in our growing business decisions. We love love love CBK….. truly an asset in every way to our community.

Eight years ago I moved back to my hometown of Pretty Prairie and opened my salon. When it came to finding a bank for my personal needs as well as business it was a clear choice. CBK has created a simple, hassle free way for me to do business in my small town! I love supporting small town business and I appreciate CBK support of mine! Our family looks forward to seeing all of the ladies at the bank each week! They truly are the friendliest around!

Our Cedar Ranch Estates partners had an idea for a new large lot housing development for Derby. Being a local Derby business, we felt that it was important to partner with a bank with strong ties in our community. CBK has those ties. CBK has been instrumental in Cedar Ranch Estates’ success through competitive commercial loan rates for land purchases and letters of credit. We appreciate CBK’s creative help with our borrowing needs and continued support as Cedar Ranch Estates expands into Phase 2 of our development. We love the local access to CBK and will continue to use their services and expertise as our business continues to grow.

From their can-do attitudes, willingness to go the extra mile, anticipating our needs, and working through problems quickly and efficiently, CBK is one of our best financial moves. We are so impressed with their friendliness and helpfulness that we recommend CBK for anyone looking for financial service providers. The folks at CBK greet us by name with a friendly smile that feels like family. The service goes far any other bank, and now we wouldn’t change it for anything!

I have been both a personal and commercial customer of Citizens Bank for well over 10 years. What I really like about CBK the most is the personal service and the friendly staff! It has been so easy for me to get help with online banking and bill pay. As a realtor, I love working with Stephanie Schwilling as a loan officer because she is great at communicating with me and my customers along the way of the home buying process. She is impeccably professional.

Our family-owned local businesses — Stanfield Roofing, Inc. and El Dorado Building Systems, LLC — appreciate working with a family-owned local bank. We have been banking with Citizens Bank of Kansas since 2019. We love the family atmosphere and the wonderful service they provide for our companies. CBK is a great hometown bank, and we would highly recommend them to anyone looking for personal or commercial banking needs.

My family and business feel comfortable and secure knowing CBK is our bank. They know my name and the names of all my employees. And if there's a discrepancy in my normal routine, I receive a phone call to verify information. One day I was running behind and the bank was closing, so I called ahead, and they kept the drive-thru open. They waited on me with smiles. Just incredible customer service!

As a busy practice owner, I don't have a lot of time to spend waiting in line or on hold for help with my banking needs. I have been so pleased with the special attention that I receive from Citizens Bank of Kansas. I feel as though they are my partner not "just a bank". I couldn't have my business in better hands!

Citizens Bank of Kansas has always handled my accounts professionally, and over the last several years, they've become a key partner in growing my business.

My CBK Story

Banking isn't a money business... it's a people business. OUR HISTORY