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Checking

Ready to be treated right by a community bank that understands your business and its needs? Just checking.

Contact UsReorder Checks

Checking Accounts for PA and NY Businesses

  • Flexible options
    Choose the account that fits your business.
  • Easy access
    Manage money and pay bills with Online & Mobile Banking.
  • Collections assistance
    We help ease the pain of collecting returned checks.
  • Earn interest
    Two of our accounts pay you back with competitive rates.

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
  Silver Gold Platinum
C&N's Switch Assist green checkmark green checkmark green checkmark
Debit Card green checkmark green checkmark green checkmark
Maintenance Charge None $25 fee waived with $50,000 balance $50 fee waived with $100,000 balance
Minimum Balance to Earn Interest $500 $50,000 $100,000
Free Internet Banking green checkmark green checkmark green checkmark
C&N's Visa Lifetime Rewards Credit Card green checkmark green checkmark green checkmark
Free Bill Pay green checkmark green checkmark green checkmark
Free ACH   green checkmark green checkmark
Free Mobile Deposit   green checkmark green checkmark
Free ACH Debit Block   green checkmark green checkmark
Free Remote Deposit Capture     green checkmark
Free Incoming Wire Transfers     green checkmark

Resubmit Logo

 
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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.