Citizens
Citizens Clearly Better Business Checking
No monthly fee and 200 free transactions, no strings attached
Insurance: FDIC insured up to $250,000 (Citizens Bank, N.A.)
Features
- ▸No monthly maintenance fee with no waiver requirements
- ▸200 free check transactions per month, then $0.50 each
- ▸$5,000 free cash deposits per month, then $2.50 per $1,000
- ▸Online banking, bill pay, and mobile deposit included
- ▸Access to Citizens' small-business lending and merchant services
- ▸1,000+ branches across New England, the Mid-Atlantic, and the Midwest
Pros
- +Free account with a higher transaction allowance than most paid big-bank tiers
- +No balance requirements or activity hurdles at all
- +Decent $5,000 cash allowance for a free account
- +Full-service branch bank behind it
Cons
- −No interest on balances
- −Branch network is regional; weak outside the Northeast and Midwest
- −Few premium features; heavy users must upgrade to Business Advisor tiers
- −Digital tools are serviceable, not standout
Our Take
Clearly Better lives up to the name for the basics: zero fee, zero conditions, and 200 free transactions, which beats what Chase and BofA give you on paid entry accounts. For a small business in Citizens country that wants a branch bank without fee-waiver bookkeeping, this is one of the easiest recommendations on the board. Yield seekers should park reserves elsewhere.
Best for: Northeast/Midwest businesses that want free, conditionless branch checking
Open at Citizens →Last verified 2026-06-11
Rate this card
Be the first to rate it
Commentson Citizens Clearly Better Business Checking
Comments are stored in your browser during our community preview. Accounts, moderation and cross-device sync arrive with Credit Compound Community.