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    Healthcare Banking

    Tailored solutions from our team of dedicated Healthcare Specialists.

    Questions? Contact us.
    Questions? Contact us.

    1-800-4BUSINESSVisit a Branch

    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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    All accounts and services are subject to individual approval.

    Mastercard is a registered trademark of Mastercard International.

    * Wireless carrier, text and/or data charges may apply.

    ** Purchases totaling a minimum of $5,000 must occur within 90 days of account opening in order to be eligible for bonus points. Meeting the $5,000 purchase threshold for bonus point eligibility varies based on account set-up. For “Business-Earn” accounts, the purchase threshold will be met by the aggregate spend of all cards under the company, and the bonus points will be applied to the business account. For "Cardholder Earn" accounts, each individual card under the master account that reaches the $5,000 purchase threshold is eligible for bonus points; these bonus points will be posted to the individual account(s). 50,000 bonus points will be posted to your Everyday Points Business Mastercard statement within two billing cycles of your meeting the $5,000 purchase threshold, as detailed above. As noted, “Business-Earn” accounts will have bonus points applied to the business account associated with the cards; “Cardholder-Earn” accounts will have bonus points applied to the individual account associated with the card.  Accounts must be open and in good standing, both at the time of reaching the purchase threshold and at the time bonus points are posted to your account statement, in order to receive points.  You are solely responsible for any taxes that may be owed as a result of rewards earned and/or redeemed under this card. Please consult your tax advisor. Citizens Bank, N.A. does not provide tax advice. Additional terms and conditions may apply.  If your business industry classification is not medical, legal or accounting, you will earn 25,000 bonus points when you spend $5,000 in the first 90 days of account opening instead of 50,000, as described above.

    2 Introductory APR of 0.0% until the first day of your seventh billing cycle. On the first day of your seventh billing cycle, your APR for purchases will be set at 13.49%, 18.49%, 21.49% or 23.49% (as of 2/1/2019) based on creditworthiness.

    3 Up to 6% in rewards (or up to $300) is earned when you spend $5,000 in purchases in the first 90 days from account opening (50,000 bonus points) plus 2 points for every dollar spent, totaling 60,000 bonus points. Up to 1% thereafter is earned for every dollar spent (2 points). Each point is worth .005 cents. Redemption value varies depending on type of reward for which you redeem points. Purchases totaling a minimum of $5,000 must occur within 90 days of account opening in order to be eligible for bonus points. Meeting the $5,000 purchase threshold for bonus point eligibility varies based on account setup. For "Business-Earn" accounts, the purchase threshold will be met by the aggregate spend of all cards under the company, and the bonus points will be applied to the business account. For "Cardholder Earn" accounts, each individual card under the master account that reaches the $5,000 purchase threshold is eligible for bonus points; these bonus points will be posted to the individual account(s). 50,000 bonus points will be posted to your Everyday Points Business Mastercard statement within two billing cycles of your meeting the $5,000 purchase threshold, as detailed above. Accounts must be open and in good standing, both at the time of reaching the purchase threshold and at the time bonus points are posted to your account statement, in order to receive points. You are solely responsible for any taxes that may be owed as a result of rewards earned and/or redeemed under this card. Please consult your tax advisor. Citizens Bank, N.A. does not provide tax advice. Additional terms and conditions may apply. Businesses outside of Professional industries (Legal, Medical & Accounting professionals) will earn 25,000 bonus points when they spend $5,000 in the first 90 days of account opening instead of 50,000, as described above.
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