Citizens, the Providence-based bank with $234.5 billion in assets, announced Citizens Treasury Intelligence on 9 November 2026, a multi-bank cash visibility and forecasting platform for commercial clients built with Trovata and Mastercard, with full roll-out in the first quarter of 2027. Fintechbits checked Trovata’s newsroom and found the same fintech signed a cash forecasting partnership with Truist on 24 October 2023, so Citizens Treasury Intelligence licenses technology a rival bank already offers.

How Citizens Treasury Intelligence Is Priced

A basic version is free to eligible accessOPTIMA information reporting clients, with paid tiers for clients that need more. Clients qualify automatically through their existing accessOPTIMA eligibility, so there is no new sales or implementation process. Mike Cummins, head of treasury and wholesale payments at Citizens, said the aim is to help clients “make better, faster liquidity decisions without adding another standalone platform to manage.”

Mastercard’s role is the research and ecosystem support: Mike Kresse of Mastercard cited its finding that 60% of mid-market businesses see multi-bank cash visibility as critical to their success. Trovata supplies the platform. The free tier is the smart move, since it turns a commodity feature into a retention tool for deposits. It also means the product will not differentiate Citizens for long.

Forecasting is where clients will judge Citizens Treasury Intelligence. Many mid-market finance teams still forecast cash in spreadsheets fed from several bank portals, and a free consolidated view inside an existing bank relationship removes a real chore. Brett Turner, founder and chief executive of Trovata, described the deal as a model that meets bank governance and security requirements. Citizens says clients range from middle-market businesses to large corporations. The release gives no pricing for the paid tiers and no target for client adoption, so the first-quarter 2027 roll-out is the earliest point at which uptake can be judged. Fintechbits has explained how treasury and cash management tools work for businesses, and FIS is chasing the same need with its Agentic Insights Suite for cash flow forecasting.