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                                Healthcare Banking

                                Tailored solutions from our team of dedicated Healthcare Specialists.

                                Questions? Contact us.
                                Questions? Contact us.

                                Solutions For Your Practice

                                The first step to running a successful practice is make sure you have the basics covered—from access to financing, to the right checking account, to cash management tools. Here’s how we can help.

                                Financing Options

                                We offer lending programs to help you start, acquire or grow your practice.

                                Conventional Loans

                                • Meet with one of our Healthcare Specialists to discuss financing options, including extended terms, to meet the needs of your practice
                                • Lending programs include:
                                  • Debt Refinance
                                  • Practice Acquisitions
                                  • Expansions/Relocations
                                  • Partner Buy-Ins/Buy-Outs
                                  • Equipment Purchases
                                  • Dental Start-ups
                                  • DSO Acquisition Lines of Credit
                                  • Working Capital Lines of Credit
                                  • Commercial Mortgages

                                Small Business Loans

                                • Easy access to SBA loans provides more flexible terms, lower down payment requirements, and an easier qualification process than conventional loans
                                • As a Preferred SBA Lender, our credit team can quickly make decisions and provide debt financing to our customers

                                If you'd like to discuss your practice's needs, schedule a consultation or call 1-800-4BUSINESS.

                                Business Checking

                                Our business checking accounts include a wealth of tools and services designed to meet the financial needs of your practices.

                                • Online and Mobile Banking*
                                  Manage your accounts and deposit checks from virtually anywhere with Citizens Bank Mobile Deposit®.
                                • Remote Deposit
                                  Reduce prep time, save trips to the bank, and get quicker access to funds with E-Z Deposit® desktop check deposit service.
                                • Overdraft Protection Plans
                                  Protect your business by preventing overdrafts and related fees.

                                Additional benefits include options to waive the monthly Business Checking Account service charges and offset the cost of cash management services through earnings credit and easy access to Money Market, Business Savings, and CD accounts to effectively manage liquidity.

                                If you’d like to discuss your practice’s needs, schedule a consultation or call 1-800-4BUSINESS.

                                Business Credit Card

                                With our Everyday Points Business MasterCard® you can conveniently and securely make business purchases, track expenses and manage your payables process by extending your cash flow cycle up to 50 days:

                                • No annual fee
                                • Introductory 0% Annual Percentage Rate for first 6 billing cycles2
                                • Exclusive for our valued practitioners: Earn up to 6.00% back in rewards when you spend $5,000 in the first 90 days, and up to 1.00% thereafter3

                                Merchant Services

                                Offer your clients credit or debit card payment options with Citizens Bank Merchant Services, and you’ll be credited with their payments within 24 hours.

                                We will help you protect your customers–and your company–by complying with industry standards. Our full-service security program helps you assess and validate compliance with Payment Card Industry Data Security Standards (PCI DSS).

                                Treasury Solutions

                                More efficiently manage your working capital:

                                • E-Z Deposit® remote deposit capture solution to bring availability improvement for your check deposits
                                • Robust information reporting portal to view and manage your payment transactions and liquidity needs
                                • Positive Pay solutions to protect against check and ACH fraud
                                • ACH and Wire online payment services to expand your disbursement options

                                Our Healthcare Specialists are here for you.

                                If you’d like to discuss your practice’s needs, schedule a consultation or call 1-800-4BUSINESS.

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