Checking Accounts
Life is full of difficult decisions. Choosing a Checking account shouldn't be one of them.
Find the Best Checking Account for You in PA & NY
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Bank AnywhereSimplify your daily finances with Online Banking.
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Easy AccessAccess money anytime with your Visa Check Card.
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Mobile BankingBank anytime, anywhere on your smartphone or tablet.
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Pay BillsSave time, money and stamps with Online Bill Payments.
C&N Merit Checking |
C&N Relationship Checking Additional Features Open Account |
C&N Everyday Checking Basic Checking Open Account |
|
|---|---|---|---|
| Minimum to open | $25.00 |
$25.00 | $25.00 |
| Minimum Balance Requirements to avoid maintenance fee | $500 |
$500 -OR- $0 if combined consumer checking and savings balances of $5,000 or greater -OR- $20,000 in average monthly active consumer and mortgage loan balances |
$0.00 |
| Interest Earned* | Yes | ||
| Unlimited Check Writing | Yes | Yes | Yes |
| Foreign ATM Fee Refunded up to $12.00/month | Yes | ||
| Free Debit Card | Yes | Yes | Yes |
| Free e-Statements | Yes | Yes | Yes |
| Free Online Banking & Mobile App** | Yes | Yes | Yes |
| Free Bill Pay | Yes | ||
| 10 free mobile deposits per month** | Yes | Yes | Yes |
| Free Text Banking** | Yes | Yes | Yes |
| Free Telephone Banking** | Yes | Yes | Yes |
| Overdraft Privilege | Yes | Yes | Yes |
| One free order of checks per year*** | Age 55+ |
Age 55+ | |
| Free Cashier's Checks | Yes | ||
| Free Small Safe Deposit Box (or $15 credit toward large box) | Yes | ||
| Printed Statement Fee | $3.00 |
$3.00 (Waived if enrolled in e-Statements) |
$3.00 (Waived if enrolled in e-Statements) |
| Dormancy Fee | $5.00 per month |
$5.00 per month | $5.00 per month |
| Overdraft, Returned Item and Uncollected Funds Fees | $35.00 |
$35.00 | $35.00 |
| Early Closure Fee within 6 months | $25.00 |
$25.00 | $0.00 |
Every account includes these
No matter which Checking account you choose, you'll enjoy these valuable features:
- Imaged checking services allow us to quickly access your paid checks for legal proof of payment. Imaged checks also can be sent to you. Fees apply.
- Ready Cash Overdraft Protection is a revolving line of credit subject to credit approval that automatically transfers funds to cover overdrafts on your Checking account or provides quick access to cover short-term cash needs. Fees apply.
- Overdraft protection authorizes automatic Key Savings transfers to cover Checking overdrafts. Fees apply.
- Automatic Savings Transfers move money from your Checking to your Key Savings.
* C&N Merit non-qualifying accounts - .05% APY These rates may change after the account is opened. Fees may reduce earnings. Please contact your local Citizens & Northern branch for our Truth-In-Savings Disclosure for complete details. APY is Annual Percentage Yield.
** Message and data rates may apply from your wireless carrier.
***One order of wallet-style basic checks per year if the tax owner 55 years of age or older.
