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Checking

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

Switch to C&NReorder Checks

Checking Accounts for PA and NY Neighbors

  • Bank Anywhere
    Simplify your daily finances with Online Banking.
  • Easy Access
    Access money anytime with your Visa Check Card.
  • Mobile Banking
    Bank anytime, anywhere on your smartphone or tablet.
  • Pay Bills
    Save time, money and stamps with online bill payments.

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.

C&N’s Exclusive Switch Service makes switching easy!

Once you have chosen Citizens & Northern Bank for your new checking account, we'll handle the dirty work for you. So how does it work?
 
  1. Complete the Authorization Form online or in person. You can stop in and see us at any branch and fill it out with your C&N representative, print out the form and return it to your closest branch, or fill out the online form and a C&N Representative will contact you to complete the process.
  2. Open your new C&N account. A C&N specialist will help you to determine which checking account is the best fit for you. Photo identification is required to open.
  3. Provide employer's HR contact information. Your C&N specialist will request your employer's contact information and change your direct deposit for you.
  4. Provide bank statement. Your C&N Specialist will need a copy of your current bank statement to set up all of your automatic payments for you.
  5. Close your old accounts. Once the accounts are no longer needed, notify your former financial institution to close the account and request the balance.
The authorization forms are intended to help you streamline the changeover process as a new account holder with Citizens & Northern Bank. If you need any help completing any of these forms please contact us. In order to change your direct deposit and automatic withdrawals, you will need to know the bank routing numbers and account numbers from your former financial institution and C&N Bank. The bank routing number is the first nine digits of the series printed on the bottom of your checks. C&N’s routing number is 031308302. The account number is the next series of numbers, followed by the check number.