Citizens Bank supports small businesses across many stages through a unified banking experience that balances digital convenience with expert support. Their no-fee and relationship-based checking accounts integrate with mobile and online tools for invoicing, bill pay, mobile deposits, and customizable alerts. The Cash Flow Essentials platform gives access to invoicing, payments, cash-flow forecasting, and user-level permissions, all for one flat fee per month. Businesses can also access lending solutions, including term loans, lines of credit, hybrid commercial loans, and SBA financing. For larger clients, Citizens provides treasury management services with payment and receivables automation, risk detection, and customized reporting. Combined with their extensive branch network, these services help businesses simplify operations while preparing to scale.