Remote Deposit

Rushing to make your deposits is a thing of the past -- embrace the future with our Remote Deposit Service.

Now you can deposit funds electronically from your office with our secure software and check scanner. Don't lose valuable time running your checks to the bank every day when you should be concentrating on running your business.

These electronic items can then be delivered to other financial institutions via an approved file format.

Simplify your routine. Forgo the daily time, risk and expense of sending an employee off-site or paying for courier pick-up.


  • Easy to use
  • Totally secure
  • Improve cash flow
  • Save time
  • Reduce cost
  • Get faster access to funds
  • Fewer NSFs

More Information

How does Remote Deposit work?

Depositing your checks remotely is largely made possible by new "Check 21" legislation recently signed into the law. Check 21 gives us the opportunity to replace labor-intensive, paper-based check processes with quicker, safer, image-based handling and clearing services. The result will be faster deposits, more efficient collections, and tremendous convenience for you and your business.

Is it right for me?

Do any of the following apply to your business?

  • You receive check payments and deposit them frequently
  • You receive relatively little cash and coin payments
  • Your business is not close to a Citizens Bank Minnesota branch
  • You have another business, store or division that is not close to a branch
  • If you answered "yes" to any of these, then we would like to talk to you about Remote Deposit.

Sample Monthly Cost Analysis

  • Employee time: $180*
  • Mileage: $ 56**
  • TOTAL $236
  • With Remote Deposit, you can significantly reduce these costs.

* $9 for employee time x 20 deposits per month

** $.56 / mile x 5 miles/deposit x 20 deposits/month

Merchant Card Services

Not every customer carries cash. If you want to increase the number of transactions you do, you need to accept credit and debit cards. We can help!

The capability to accept credit card payment is a necessity for successful business growth. Citizens Bank Minnesota is committed to providing industry-advanced solutions through our partnership with United Bank Card.


  • Process all major credit card purchases
  • Attract a broader customer base
  • Receive up-front payment for services and merchandise, which improves cash flow
  • Reduce bad checks written to your business
  • Check verification
  • Integrated software solutions, fraud prevention and monitoring, and wireless and Internet-processing technology are also available for your business.

Other Business Services

Your business is more than just a checking account, a loan, or a credit card to us -- it's a relationship. Citizens Bank Minnesota provides businesses both small and large with solutions to their financial needs and concerns by offering a full array of products tailored to meet your unique requirements. Other services that we offer are:

Safe Deposit Boxes

Protect your valuables from theft, fire, flood, and any other disaster by putting them in one of our safe deposit boxes, far out of harm's way.

Wire Transfers

When you need to move funds fast, there's no faster or safer way than to transfer them electronically.

Night Depository

Never rush to the bank to make a deposit again. If you arrive after business hours, drop your deposit into our Night Depository, and we'll process it the next business day.

Notary Service

We offer official notary service to make your important documents official.

Official Checks

Move funds from your checking account to anywhere by writing an official check.

Rolled Coin

Make your change more manageable with rolled coins.

Bank Statement Reconciling

With this helpful service, we can help you make sure every transaction is accounted for.

Series EE and Series I Bond Services

Investing in government-backed savings bonds is another way to get a good return on your investment.

For more information about all of the business services available to our customers, please contact us online or call one of our business bankers at (507) 354-3165 or toll free at (800) 549-0194. We look forward to hearing from you!

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