Citizens Professionals First for Accountants

Get the advantage for your firm. Call Citizens Bank today at 1-800-4BUSINESS (428-7463)

• Benefits for Your Business or Industry
• Benefits for Your Firm
  
• Benefits for Your Employees
• Benefits for Your Clients

Benefits for Your Business or Industry

As your company's financial advisor, you seek optimal means to manage spending while maximizing ways to improve cash flow. Let an experienced Citizens Bank Business Banker offer your company a Free Financial Review of current banking services and customize a program that meets your unique financial needs.

Benefits for Your Firm

From business checking to special services, your firm will enjoy a full range of time and money-saving benefits.

Free Commercial Checking
For Professionals First customers, our business checking account is free.

• No monthly maintenance fees, no minimum balance requirements
  
• No fees for checks paid or items deposited
  
• Free online banking with bill payment (1)
  
• Free first order of business checks (2)

Preferred Rates
High interest rates on deposits. Low interest rates on loans. As a Professionals First customer, your firm gets:

• Business Loans and Lines of Credit- at highly competitive rates

Merchant Services Payment Solutions
Offer clients the convenience of credit and debit card payments while improving your firm's cash flow.

• Free set-up and no application fee
  
• Next day funding of card transactions (3)

Extraordinary Service
A dedicated Business Banker will be assigned to your account, available to assist you in all banking matters.

Services that Go the Extra Mile
Make it easier to manage and keep track of accounts and transactions with:

• Cash Management Services - A dedicated support team will help you select services to expedite collections, control disbursements, and access financial information.
• Free First Fax - This daily recap of the previous day's financial activity arrives in your office as early as 7 a.m. and lets you verify balances at a glance.
• Wire Transfer Alert Notification - This service notifies you by fax when incoming wire transfers have arrived.

Benefits for Your Employees

As a Professionals First customer, you can reward and motivate your staff with valued banking benefits, such as:

Citizens Circle® Checking Account (4)
Your firm's employees are eligible for Circle Checking.

Free with:

• No monthly maintenance fee or minimum balance requirement

Other benefits include:

• Free Circle design checks and reorders
  
• Free online banking with bill payment (1)
  
• No annual fee overdraft protection
  
• Preferred rates on select deposits and loans

Home Equity Loans and Lines of Credit
Whether you or your staff is looking to refinance, make home improvements or finance educational costs, we have what you need, all with no application fees, points or closing costs.

• Home Equity Line - with check access, flexible payment options and our best available rate
  
• Home Equity Loan - low fixed rates and flexible repayment terms

Mortgage Closing Discounts (5)

• You and your staff can benefit from a special $250 discount off your mortgage closing costs.
• Other Special Benefits
  
• Personal unsecured line of credit up to $25,000

Benefits for Your Clients

Add value to your client relationships with these banking benefits they can't get on their own, including:

For Business Clients - Business Partners Checking Account (6)
Your clients can take advantage of a Business Partners Checking account free for one year.

This features:

• A dedicated Business Banker
  
• Free first order of business checks (2)
  
• Free online banking with bill payment (1)
  
• No annual fee Business Debit Card
  
• Free Personal Circle Checking (7)

For Your Personal Clients - Circle Checking Account Free for One Year
The same Circle Checking benefits available to your firm's employees.

Program Details

1. ATM/Debit Card may be required for online banking.
   
2. Free initial order of business checks is valid on any Clarke American order up to $36.
   
3. Next day funding into your Citizens Bank checking account is provided by RBS
   Lynk, a wholly owned non-bank subsidiary of Citizens Financial Group, Inc.
   
4. Circle Checking monthly maintenance fee waived for as long as account holder is employed by participating firm. Other fees may apply.
   
5. The mortgage closing discount applies to mortgage applications received via telephone at (800) 288-5569, with the Professionals First discount referenced at the time of application. Mortgages are offered and originated by CCO Mortgage Corp., a nonbank subsidiary of Charter One Bank, N.A. "Citizens Bank" refers to Citizens Bank of Massachusetts, Citizens Bank of Rhode Island, Citizens Bank New Hampshire, Citizens Bank of Connecticut, Citizens Bank (Wilmington, DE), Citizens Bank of Pennsylvania, and Citizens Bank, N.A. CCO Mortgage Corp. is an affiliate of each of the Citizens Banks.
   
6. One-year free checking refers only to waiver of monthly maintenance fee on a Business Partners Checking account. Other fees may apply. Limit of one free Business Partners Checking account per client.
7. Monthly maintenance fee on Circle Checking will be waived for as long as Business Partners Checking account is open and is available only for the business owners of the Business Partners Checking account. Other fees may apply.

All accounts, loans and services are subject to individual approval.
Offer subject to change.

About Citizens Bank
Citizens Bank of Pennsylvania is a $28 billion state chartered bank with dual headquarters in Philadelphia and Pittsburgh. It has more than 400 branches, more than 650 ATMs and a convenient network of commercial banking offices throughout Pennsylvania. It also operates some retail branches and ATM's in southern New Jersey.