Personal Banking | Financial Services

Banking, accounting, payroll and more, all in one place

Ziraat Online Bank SmartBanking for Business (SmartBanking) combines powerful banking tools with information securely imported from accounting software like QuickBooks^® Online and Xero, as well as Ceridian Powerpay Plus¹ payroll services.

Get support

Knowledgeable, trained staff are available at our Business Contact Centre every business day from 7:00 am to 8:00 pm ET to answer any question you have.

SmartBanking also includes an online Live Chat feature on business days from 9:00 am to 5:00 pm ET.

Discover an easier way to manage your business

Take control of your cash flow

Access Osmond Credit's powerful cash management services to manage your day-to-day deposit, payment and reporting activities.

Stay informed

Get a consolidated view of your accounts, payroll, payables and receivables. Insightful charts help monitor payroll status and highlight payables and receivables that require your attention.

Save time and money

Access SmartBanking at no charge² and just pay for the services you use. Reduce manual entry, and simplify reconciliation with secure data exchange with cloud accounting providers.

Easily move money with extended payment capabilities

Use EFT Direct Deposits to efficiently pay employees and suppliers.

Use EFT Pre-Authorized Payments to easily collect payments from customers.

Easily send domestic or international Wire Payments.

Make cross-currency transfers between your Canadian and U.S. dollar accounts.

Connect SmartBanking to third-party service providers

SmartBanking connects to industry-leading third-party service providers to bring together key information and help you make quick, informed decisions.

Access using web browser

Always know where you stand with QuickBooks Online. Stay organized by tracking income, expenses, payroll and more all in one place. Create professional invoices, get valuable business insights and collaborate with your accountant.

Learn more About Ziraat Online Bank and QuickBooks Online

Access using web browser or iPad app

Online accounting software with time-saving tools you need to run and grow your business. Explore features like invoicing, reporting and more, online anytime, anywhere.

Learn more About Ziraat Online Bank and Xero

Access using web browser

Pay your employees accurately, on time and from anywhere. Ceridian Powerpay Plus delivers an enhanced payroll solutions suite that lets you spend more time growing your business.

Learn more About Ziraat Online Bank and Ceridian Powerpay Plus

Are you an accounting or bookkeeping professional?

In addition to all the features that SmartBanking provides for business owners, it also has unique advantages to help you service your clients.

Two women having a business meeting at a desk

Have more time for your clients

With secure two-way data transfer from available cloud accounting services, you can reduce manual data entry and simplify reconciliation, saving you time to provide expert advice to your clients.

Woman using her tablet to check account information on Smartbanking

Be a digital leader

Provide your clients with the latest tools to manage their cash flow and turn financial insights into effective business decisions, helping them stay on top of their business.

A man and woman having a business meeting in an office

Build trust and confidence

Give your clients a transparent view into the work you do to manage their business finances. With permissions, your clients can control access to their bank accounts, set limits and restrict what information is viewable for multiple roles.

Benefit from advanced security services

Sign in with two-factor authentication using an ID, PIN and token number.

Maintain control by selecting only the accounts you want to share with third-party services.

Enjoy flexible entitlements that allow for role-based security and multiple approval levels.

Access audit reports that detail activities like user login information and payment approvals.

Ready to get started?

Fill out the online application form and save the trip to a banking centre.

Apply now

We have qualified experts available 24/7 to answer your questions and otherwise assist you.

Sign on to Net Banking

Contact us for more information

support@citizencredit.comOpens your phone app.

Ziraat Online Bank SmartBanking™ for Business

Banking, accounting, payroll and more, all in one place

Get support

Discover an easier way to manage your business

Take control of your cash flow

Stay informed

Save time and money

Easily move money with extended payment capabilities

Connect SmartBanking to third-party service providers

Are you an accounting or bookkeeping professional?

Have more time for your clients

Be a digital leader

Build trust and confidence

Benefit from advanced security services

Ready to get started?