Grow Your Business with Confidence

At Citizens First Bank, we are proud to support the growth of businesses across southwest Wisconsin. As a 4th-generation, locally owned, family bank, we know the importance of personalized service, timely decisions, and practical solutions. From startups to established enterprises, our goal is to help your business thrive.

Comprehensive Business Banking Services

We provide a full range of business banking solutions designed to simplify your operations, manage cash flow, and give you more time to focus on growth.

Cash Management Made Simple

Proper cash management can make or break a business. Citizens First Bank offers tools and services that handle the details so you can focus on running your business. Our in-house services include:

• Processing, verification, and crediting of cash deposits
• Preparation of cash and coin orders
• Convenient online access to balances and transaction information
• ACH and wire transfers
• Domestic and foreign currency exchange
• Merchant payment processing

We also partner with Clover to provide a complete suite of merchant services:

• Point of sale systems including wireless, mobile, and virtual terminals
• Online and e-commerce solutions for recurring payments
• Mobile payment acceptance via smartphone or tablet
• Alternative payment methods such as gift cards and ACH
• Data security measures compliant with PCI-DSS standards

Contact us to connect with a Clover representative who will review your current system, discuss your needs, and explain rates and fees.

Business Checking Accounts Tailored to Your Needs

We offer a range of business checking options to ensure your finances are handled efficiently:

Business Basic: Flexible checking with unlimited check writing, business debit cards, online and mobile banking, ACH, Remote Deposit Capture, wires, and more.

Business Checking: Designed for small to large businesses with all the features of Business Basic plus mailed or electronic statements with check imaging.

Now Account & Money Market Account: Earn interest while keeping funds accessible.

Business Credit Cards: Simplify company spending with one convenient monthly bill, worldwide acceptance, no annual fee, and receipts for tax documentation.

Competitive Business Financing

We provide local lending decisions and competitive rates to help your business grow. Our business loan options include:

• Revolving and non-revolving lines of credit
• Single pay notes
• Term loans
• Real estate construction and permanent loans
• Floorplan lines of credit
• Small Business Administration (SBA) loans for expansions, improvements, and investments

With Citizens First Bank, you can rely on timely, personal guidance from people who understand your community and business needs.