Man and woman looking at a laptop together in an office

Business Products

Business Products Simplified

Think of our business products as finely crafted tools, each designed to strengthen your local enterprise. This comparison page serves as your trusty toolkit, helping match your needs with the right financial instruments - all with the care of a helpful neighbor sharing their expertise

Business Checking

Business Basics
Active Commerce
Regular Business Sole Proprietorship
Non - Profit Checking
Business Interest Checking

Visit our business checking page here

Business Savings

Wealth Management Checking
Progressive Account
HI-FI Account
Regular Savings

Visit our business savings page here

Business Loans

Flexible, fair and fast results
Commercial Real Estate Loans (construction, purchase, refinance and improvements)
Lines of credit for operations
Loans to purchase equipment
Loans secured by a variety of other collateral
SBA Loans and Lines of Credit

Visit our business loan page here

Treasury Management

MasterMoney Credit Card
Positive Pay
Easy Pay
Remote Deposit

Visit our treasury management page here

Business Credit Cards

Platinum Classic
Platinum Payback
Platinum Preferred
World Elite
World Elite Plus

Visit our business credit cards page here

Business Debit Cards

Free With All Citizens Bank & Trust Checking Accounts
Securlock Equip App
Lost or Stolen Debit Card protection

Visit our business debit card page here

Business Basics

Opening balance $100
No monthly maintenance fee if average collected balance is $3,000 or more
A monthly maintenance fee of $10 will be assessed if the average collected balance is less than $3,000
200 transactions free per month (checks, debits, deposited items, deposits and credits)
$0.30 per item fee over 200

Active Commerce

Competitive earnings credit tied to average collected balance
Credit used to reduce monthly service charges and transaction fees
Opening balance $100
Monthly maintenance $10
Per debit charge $0.15
Deposited item charge $0.08
Earning credit $0.10 per $100

Regular Business Sole Proprietorship

Opening balance $100
Fees are based on average collected balance:
$700 or more – No service charge
$500 - $699 – $4/month o $300 - $499 – $6/month
$299 or less – $8/month
Unlimited free transactions

Non - Profit Checking

Opening balance $100
$1.00 monthly maintenance fee if average collected balance falls below $600

Business Interest Checking

Opening balance $100
Earns interest, tiered based on balance
Interest is compounded monthly and credited monthly
Monthly maintenance fee $10
Per debit charge $0.15
Deposited item charge $0.08

Wealth Management Checking

Opening balance $15,000
Premier Money Market for high balance accounts
Earns competitive interest rates based on tiers extending to $1,000,000
Interest is compounded monthly and credited monthly
Monthly maintenance fee of $25 assessed if daily minimum ledger balance drops below $15,000 at any time during the month
$25 fee assessed for each transaction that exceeds withdrawal limits.
Withdrawal limits allow 6 pre-authorized withdrawals (POS/Checks/ACH/Transfer) per 4 week or similar period. Fees will be assessed once limits are exceeded.

Progressive Account

Opening balance $15,000
Earns money market interest rates, tiered based on balance
Interest is compounded monthly and credited monthly
Monthly maintenance fee of $15 assessed if daily minimum ledger balance drops below $15,000 at any time during the month
$15 fee assessed for each transaction that exceeds the withdrawal limits
Withdrawal limits allow 6 pre-authorized withdrawals (POS/Checks/ACH/Transfer) per 4 week or similar period. Fees will be assessed once limits are exceeded.

HI-FI Account

Opening balance $2,500
Interest is compounded monthly and credited monthly
Monthly maintenance fee of $5.00 assessed if daily minimum ledger balance drops below
$2,500 at any time during the month
$9.50 charge will be assessed to all transactions that exceed withdrawal limits
Withdrawal limits allow 6 pre-authorized withdrawals (POS/Checks/ACH/Transfer) per 4 week or similar period. Fees will be assessed once limits are exceeded.

Regular Savings

Opening balance $200
Quarterly statements
3 free withdrawals per quarter ($2 for each additional)
Minimum ledger balance below $500 will be assessed a $5 maintenance fee per statement
$10 fee on accounts closed within 90 days of opening
Interest is compounded quarterly and credited quarterly.
Withdrawal limits allow 6 pre-authorized withdrawals (POS/Checks/ACH/Transfer) per 4 week or similar period

Flexible, fair and fast results
Commercial Real Estate Loans (construction, purchase, refinance and improvements)
Lines of credit for operations
Loans to purchase equipment
Loans secured by a variety of other collateral

MasterMoney Credit Card

With our MasterCard credit card you get hometown convenience, worldwide acceptance, great benefits and much more. Choose the card best suited for your needs and apply(Opens in a new Window) today.

Easy Pay

Allows business customers to originate electronic transactions
Debit Examples: Utility payments, account drafts, membership fees, insurance premiums or church tithing
Credit Examples: Direct deposit of payroll or credit to deposit account for net payroll amount

Remote Deposit

With a simple scan, securely submit your business checks to Citizens Bank & Trust through our online banking service
A Citizens Bank & Trust teller will then process your deposits during regular business hours
Eliminate employee travel time and expense
Submit and review deposits at your convenience
Faster and safer deposits
Improve cash management and funds availability
Quotes available upon request

Free With All Citizens Bank & Trust Checking Accounts

ATM & Debit Cards accepted at all Citizens Bank and Trust ATM's and locations
Can be used to make purchases anywhere MasterCard is accepted
Our current daily MasterMoney Debit Card limits are $500 for cash and $1500 for purchases
Questions and Answers for New EVP Chip Card(Opens in a new Window)

Securlock Equip App

A better way to manage your Debit Card is just a smart phone tap away!
Download now on your Apple(Opens in a new Window) or Android device(Opens in a new Window)

Lost or Stolen Debit Card?

Please call (225) 687-1916 during regular banking hours. After hours please call (800) 500-1044 or you may write to us at 57910 Main Street, Plaquemine, LA 70764. You do not need to know your card number to cancel the card.