Navigate to Sitemap

Checking Accounts

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

Find the Best Checking Account for You in PA & NY

  • 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.

C&N Merit Checking
Earns Interest
Open Account
C&N Relationship Checking
Additional Features
Open Account
C&N Everyday Checking
Basic Checking
Open Account

Minimum to open

$25.00 $25.00 $25.00

Minimum Balance Requirements to avoid maintenance fee

$500
-OR-
$0 if combined consumer checking and savings balances of $5,000 or greater
-OR-
$20,000 in average monthly active consumer and mortgage loan balances
$500
-OR-
$0 if combined consumer checking and savings balances of $5,000 or greater
-OR-
$20,000 in average monthly active consumer and mortgage loan balances
$0.00

Interest Earned*

Yes

Unlimited Check Writing

Yes Yes Yes

Foreign ATM Fee Refunded up to $12.00/month

Yes

Free Debit Card

Yes Yes Yes

Free e-Statements

Yes Yes Yes

Free Online Banking & Mobile App**

Yes Yes Yes

Free Bill Pay

Yes

Free Mobile Deposit**

Yes Yes Yes

Free Text Banking**

Yes Yes Yes

Free Telephone Banking**

Yes Yes Yes

Overdraft Privilege

Yes Yes Yes

One free order of checks per year***

Age 55+ Age 55+

Free Cashier's Checks

Yes

Free Small Safe Deposit Box (or $15 credit toward large box)

Yes

Printed Statement Fee

$3.00
(Waived if enrolled in e-Statements)
$3.00
(Waived if enrolled in e-Statements)
$3.00
(Waived if enrolled in e-Statements)

Dormancy Fee

$5.00 per month $5.00 per month $5.00 per month

Overdraft, Returned Item and Uncollected Funds Fees

$35.00 $35.00 $35.00

Early Closure Fee within 6 months

$25.00 $25.00 $0.00

Every account includes these

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

  • 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.
  • Overdraft protection authorizes automatic Key Savings transfers to cover Checking overdrafts. Fees apply.
  • Automatic Savings Transfers move money from your Checking to your Key Savings.

* C&N Merit non-qualifying accounts - .05% APY These rates may change after the account is opened. Fees may reduce earnings. Please contact your local C&N Location for our Truth-In-Savings Disclosure for complete details. APY is Annual Percentage Yield.
** Message and data rates may apply from your wireless carrier.
***One order of wallet-style basic checks per year if the tax owner 55 years of age or older.

C&N Library
A Collection of Articles from C&N Experts
C&N Library