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Merit Checking

It's time your money did some multi-tasking.

Interest Checking for our PA Customers 

Earn up to 2.25% APY1 on your Checking balance.

Strike a Balance

Money is always moving in or out of your Checking account. Now, it’s time for it to grow. Check out C&N’s Merit Checking Account. You’ll earn competitive interest on your balance plus enjoy the value-added features that come with any C&N Checking Account, including:



It's easy to qualify for the premium interest rate

You determine how much interest you earn each month. To qualify for the highest tier of 2.25% Annual Percentage Yield (APY1), simply:

  • Have at least 1 direct deposit or ACH per month
  • Make 10 debit card/point-of-sale transactions per month
  • Enroll for monthly e-Statements

You’ll probably meet the criteria through your normal banking process. But if you don’t qualify one month, you’ll still earn interest. Then you can try again next month.

  • 2.25% APY1 on balances up to $30,000    
  • 0.25% APY1 on balances over $30,000  
  •  0.05% APY1 even if you don't qualify


Let's Get Started

It’s easy to open your C&N Merit Checking Account online or in person. Get started by visiting, stopping by your local office or calling 877.838.2517. We’ll be happy to help.

Open a C&N Merit Checking Account


1 APY - Annual Percentage Yield. Rates effective as of 12/11/2019. These rates may change after the account is opened. Fees may reduce earnings. Please contact your local C&N office for our Truth-In-Savings Disclosure for complete details. Minimum $25 required to open account.
2 Message and data rates may apply from your wireless carrier.

Switching your bank accounts to C&N is easy
Refer a friend to C&N and you'll both receive a special bonus: $50 for you, $50 for them!