Checking

Life is full of difficult decisions. Choosing a checking account shouldn't be one of them.

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Checking Accounts for PA and NY Neighbors


Put your money to work by earning interest on your balance.

  • Maintain a $500 minimum monthly balance, $5,000 minimum checking and savings balance, or $20,000 average monthly consumer and mortgage loan balance to avoid an $8.00 monthly service charge
  • Preferred interest rate paid on balances up to $30,000 with lower rates paid on balances more than $30,000
  • Preferred interest rate available to those who have the following each month: one ACH credit or debit, 10 posted point-of-sale transactions, and enrollment in electronic statement delivery
  • Free Online Bill Payment
  • Free Visa Check Card
  • Free Online, Mobile, Text and Telephone Banking*
  • 10 free Mobile Deposit transactions per month
  • One free order of basic checks each year for customers age 55 and older
  • Qualifying accounts receive up to $12 each month in refunded U.S. ATM fees

* Message and data rates may apply from your wireless carrier.

If you use multiple bank services and maintain a minimum balance, you're ready for a Relationship.

  • Maintain a $500 minimum monthly balance, $5,000 minimum checking and savings balance, or $20,000 average monthly consumer and mortgage loan balance to avoid an $8.00 monthly service charge
  • Free Visa Check Card
  • Free Online, Mobile, Text and Telephone Banking*
  • 10 free Mobile Deposit transactions per month
  • One free order of basic checks each year for customers age 55 and older
  • $2.95 monthly fee applies if you enroll in Online Bill Pay

* Message and data rates may apply from your wireless carrier.

You'll love the Everyday flexibility and convenience of our basic checking account.

Citizens & Northern Bank provides PA and NY with the right checking accounts to help you succeed.

* Message and data rates may apply from your wireless carrier.

Every account includes these

No matter which checking account you choose, you'll enjoy these valuable features:

  • Free electronic statements that include digital images of all checks. If you elect to receive traditional statements, a $3.00 Printed Monthly Statement Fee applies.
  • Imaged checking services allow us to quickly access your paid checks for legal proof of payment. Imaged checks also can be sent to you. Fees apply.
  • Ready Cash Overdraft Protection is a revolving line of credit subject to credit approval that automatically transfers funds to cover overdrafts on your checking account or provides quick access to cover short-term cash needs. Fees apply.
  • No Bounce Protection authorizes automatic Key Savings transfers to cover checking overdrafts. Fees apply.
  • Automatic Savings Transfers move money from your checking to your Key Savings.
  • Telephone Transfers allow you to transfer money from Key Savings to Checking.

Citizens & Northern Bank provides PA and NY with the right checking accounts to help you succeed.

* Message and data rates may apply from your wireless carrier.