Cash Management
Everything you need to manage your business finances with confidence
- ACH Origination for vendor payments and billing
- Payroll Processing to keep your team paid on time
- Funds Transfer Services for fast and secure money movement
Merchant Services
Give your customers more ways to pay with Clover®.
- Flexible POS systems and payment solutions
- Subject to Clover® processing fees
IT Concierge
Technology support designed specifically for small businesses:
- One-time IT evaluation to assess your systems and needs
- Cybersecurity Protection Tips, available online and in print
- Monthly information sessions (web or in-person)
- Customers must register in advance to attend
Additional Benefits
- Health Savings Accounts for employees
- On-site account opening for employees
- Free payroll check cashing for employees
- Switchover Assistance — Help with the transfer of accounts and online banking set-up
Your Local Partner for Business Success
With Citizens Federal Savings & Loan, you get local decision‑making, personalized service, and a team invested in your success. From cash management to lending, we provide the financial tools your business needs to thrive.
©2026 Clover Network, LLC. The Clover name and logo are registered trademarks owned by Clover Network, LLC and are registered or used in the U.S. and many foreign countries. Use of Clover requires a Merchant Processing Agreement with First Data Merchant Services LLC. All trademarks, service marks and trade names referenced in this material are the property of their respective owners.