Friends & Family

*Offer valid through September 30, 2023, for consumer checking account products only and only valid once per primary account owner. Consumer checking products include C&N Everyday Checking, C&N Relationship Checking and C&N Merit Checking. C&N Merit Checking is a variable rate tiered interest bearing account with an Annual Percentage Yield (APY) of 0.35% for qualifying accounts with collected balances of $.01 to $30,000, .10% APY for qualifying accounts with collected balances over $30,000 and .05% APY for non-qualifying accounts. Minimum opening deposit of $25 required. These Annual Percentage Yields are accurate as of November 22, 2022. Fees may reduce earnings. Please refer to the C&N Merit Checking Truth in Savings Disclosure for qualifying criteria. 6 months of consecutive direct deposit required to receive $100 payout. Payout will occur within 45 days of six months direct deposit. Payouts valid through April 30, 2024. Accounts must be opened online or in branches located within Steuben County, NY or Bradford or Potter Counties in PA. Use promo code CNFAMILY.