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Business Checking

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

Checking Accounts for PA and NY Businesses

With our flexible options, you can choose the checking 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.

Super B
Checking Account

Open Account

Basic Checking

Business Interest
Checking Account
Open Account

Earns Interest

Business Analysis
Checking Account
Open Account

Tailored for Larger Businesses

Great for small businesses looking for an easy way to control income & expenses.

An interest-bearing account ideal for Sole Proprietors, Corporations & LLCs.

An account for businesses with large transaction volumes tailored based on the relationship.

Minimum to open




Avoid Service Charge With:

Maintain balance of $500 or greater throughout the month

Maintain balance of $1,000 or greater throughout the month

Tailored to business needs & determined with C&N Relationship Manager

Free Transactions Per Month

250 free items per month, including: checks paid & deposited, ACH debits & credits

$0.25 per check each additional item

250 free items per month, including: checks paid & deposited, ACH debits & credits

$0.25 per check each additional item

Contact a C&N Relationship manager to discuss transaction charges and earnings credit impact

Interest Earned*


Variable Interest Rate with multiple tiers.

An earnings credit calculated daily offsets/reduces any service charges

Minimum Balance to Earn Interest





Free With All Business Checking Accounts


Additional Business Checking Account Services Available



Reduce the burden of returned checks

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

C&N'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 C&N 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 [email protected].  

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.


*Transactions per month include combined checks paid & deposited, ACH debits & Credits per month 

Applicable fees for all Business Checking Accounts:

  • Dormancy Fees (inactive for X months): $5.00 per month
  • Overdraft, Returned Item and Uncollected Funds Fees: $35.00
  • Early Closure Fee (within 6 months): $15.00


Refer a friend to C&N and you'll both receive a special bonus: $50 for you, $50 for them!