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C&N Announces Partnership with Carefull™

WELLSBORO, PA - Citizens & Northern Corporation (C&N) today announced a partnership with Carefull, the first service built to organize and protect older adults' daily finances, to provide their customers with Carefull’s safe money monitoring technology.
In becoming the Financial Caregiving Partner to C&N, Carefull's artificial intelligence platform will help C&N’s senior customers by analyzing checking, savings and credit card accounts for more than 30 issues that can affect older adults’ finances, such as late or missed payments, behavior change and mistakes, unusual banking activity, cash transfers and charitable contributions that unknowingly recur. Users of the technology—including older adults, select family members and caregivers who support them—can receive notifications if any fraud or issues are detected.
Through the partnership, C&N will help older customers maintain their financial independence while providing peace of mind to their "financial caregiver" loved ones. Going beyond typical banking, C&N’s Carefull service will also enable robust communication among family members who are involved in the financial safeguarding process.
Additionally, other trusted family members and financial professionals can be added to their "Circle" of support to collaborate within the Carefull service and resolve money issues together.
C&N President & CEO, Brad Scovill, said, “C&N is committed to providing our customers with innovative solutions and tools to help them navigate every stage of life. We believe that Carefull’s streamlined, easy-to-use platform will create a great deal of value for our senior customers and their caregivers alike."
“The C&N team knows that supporting older adults in this environment means more than educational pamphlets; it means offering customers industry-leading monitoring, family communication and identity protection technology,” said Todd Rovak, Carefull co-founder. “We now know that financial caregiving is as much as a 20-year need, so it’s fantastic to see C&N step up with a system that empowers both older adults and those who support them.”
C&N customers can try the Carefull service for financial accounts and credit and identity monitoring at no additional charge for one full year, all as a benefit of being a C&N accountholder. Customers will also gain access to Carefull's financial independence tools, advice and content (including Carefull's weekly Take Care newsletter), the Financial Independence Guide, and the Financial Caregiving Roadmap.
About C&N
C&N is an independent community bank providing complete banking, financial, investment and insurance services through 31 full-service offices located throughout Bradford, Bucks, Cameron, Chester, Lycoming, McKean, Potter, Sullivan and Tioga, counties in Pennsylvania and Steuben County in NY. C&N also operates a loan production office in Elmira, NY, which offers commercial, residential and consumer lending services. C&N can be found online at The Company’s stock is listed on NASDAQ Capital Market Securities under the symbol CZNC.
About Carefull
Carefull is the first digital platform built to protect the daily finances of older adults, along with the 45 million U.S. adults managing the daily finances of an older loved one. Founded in 2019, Carefull's technology integrates senior-specific financial monitoring, identity theft protection, communication, and how-to content, replacing the ad hoc paper pile, spreadsheets and bill stack that today defines the experience of adults caring for someone else's money. Carefull believes that creating safer, smarter tools for financial caregiving isn't only about money—it's about relentlessly simplifying the awkward tangle that happens when money and family come together. For more information visit
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