Checking

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Checking Accounts for PA and NY Businesses


Business Analysis Checking

Your high-volume business benefits most from this account that pays interest on your balance.

  • No minimum balance
  • An earnings credit calculated daily offsets/reduces any service charges
  • Earnings credit calculated monthly

Super B Checking

Here's the ideal checking account for small businesses that handle lower volumes of transactions.

  • No minimum balance to open the account
  • Maintain a low minimum balance to offset a monthly maintenance fee

Business Interest Checking

Looking for a business checking account for your nonprofit organization or sole proprietorship? Here's the answer.

  • No minimum balance to open the account
  • Earn interest at a tiered rate based on your balance, starting at $500
  • Interest credited and compounded monthly
  • Maintain a low minimum balance to offset a monthly maintenance fee

 
  

Reduce the burden of returned checks

Citizens & Northern Bank is here to help you with all of your business needs, including one of your biggest headaches - returned checks.

Citizens & Northern Bank's electronic check recovery service, Re$ubmitIt® significantly reduces the burden of collecting funds from NSF checks, while potentially doubling your recovery rate. You collect more returned checks and get 100% of the face value of all checks that are collected electronically! Here's how it works:

  • Returned checks are sent from Citizens & Northern Bank to Re$ubmitIt® where eligible checks are converted into electronic items for re-presentment to the check writer's bank account for collection.
  • The electronic check file is processed and strategically timed for re-presentation. Presenting checks at proven "smart dates" improves the chance of collection.
  • If the item is not recovered on the first electronic re-presentment, it is re-cued for a second electronic re-presentment (third total). If this third presentment fails, the check can be sent to Re$ubmitIt's FREE secondary collections, or the check can be sent back to you.
  • Upon settlement, 100% of the face value of the check is reimbursed to you automatically. The check writer's account is charged a state-regulated collection fee to cover the cost of collection.
If you have questions about the Re$ubmitIt® electronic check recovery service, please email them at support@resubmitit.com.  
 
To be eligible for Electronic Recovery, a returned check must:
  • Be a personal check to a business (not business-to-business)
  • Be under $2,500
  • Be less than 180 days old from date of transaction
  • Cannot have been already submitted twice, either electronically or by paper draft. 
What happens to ineligible checks?
Returned items that are less than $2,500 and ineligible for electronic re-presentment are re-submitted to the check writer's account as a paper draft, subject to eligibility requirements. Items greater than $2,500 are returned to the business.