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Controlled Disbursement

Citizens Independent Bank helps protect your operating funds with a Controlled Disbursement Account. This separate checking account is used solely for issuing checks and works with Positive Pay to ensure only authorized items clear, with funds moving automatically to cover approved payments.

Why It Works for Your Business.

 
This structure enhances security, improves cash control, and reduces the risk of unauthorized withdrawals. By separating check activity from your core operating account, you limit exposure while maintaining smooth day-to-day operations.

Benefits

  • Improved liquidity control with just-in-time funding to the disbursement account.
  • Segregated disbursement structure that simplifies reconciliation and recordkeeping.
  • Positive Pay protection to validate check disbursements before payment.
  • Account segmentation to protect operating funds from fraud exposure.



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We provide business banking, personal banking, mortgage lending, and financial services to businesses and individuals across the western Twin Cities. Explore our local banking locations in Saint Louis Park, Robbinsdale, Hopkins, and Plymouth to find the branch most convenient for you.