{"account":{"slug":"citizens-business-checking","bank":"Citizens","name":"Clearly Better Business Checking"},"status":"recent","lastVerified":"2026-10-12","officialSource":"https://www.citizensbank.com/small-business/checking/clearly-better-account.aspx","history":[{"date":"2026-06-11","apy":"None","monthlyFee":"$0","minimumOpen":"None","atm":"Free at ~3,000 Citizens ATMs; out-of-network operator fees apply","note":"Legacy snapshot before event-level evidence attachments"},{"date":"2026-10-12","apy":"None","monthlyFee":"$0","minimumOpen":"None","atm":"Free at ~3,000 Citizens ATMs; $3 per transaction at non-Citizens ATMs plus operator fees","note":"Reconfirmed no monthly fee, any opening amount, 200 free items then $0.50, $5,000 cash then $2.50 per $1,000, $3 non-Citizens ATM fee","sourceUrl":"https://www.citizensbank.com/dam/289fb2ee-1e0f-4b4f-9385-b3fa0127b94e/business-deposit-account-fees-and-features-guide-original-file.pdf","sourceLabel":"Citizens product page and Business Deposit Account Fees and Features Guide"}],"verificationEvents":[{"id":"1405fae8-7cc1-48b9-98ee-4d4b2e40d94f","entityType":"bank-account","slug":"citizens-business-checking","checkedAt":"2026-10-12T00:00:00.000Z","recordedAt":"2026-10-12T13:11:17.029Z","sourceUrl":"https://www.citizensbank.com/dam/289fb2ee-1e0f-4b4f-9385-b3fa0127b94e/business-deposit-account-fees-and-features-guide-original-file.pdf","sourceLabel":"Citizens Business Deposit Account Fees and Features Guide","outcome":"changed","summary":"No monthly fee, 200 free items then $0.50 and $5,000 cash allowance reconfirmed; $3 non-Citizens ATM fee added","changedFields":["atm","features"],"facts":{"monthlyFee":0,"freeItems":200,"excessItemFee":0.5,"freeCash":5000,"nonCitizensAtmFee":3},"previousHash":"bb99df08404937ba9d43c2930afedc80405e5f8a50e212f2cda136c144af8f36","recordHash":"775dd6ea84a40371b9540f9a84ad5e9e8808b62c3e891df4b4092e0402f79831"}],"methodology":"https://creditcompound.com/how-we-rate#verification"}