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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

Open an Account
  • 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.

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.
Open an Account     Switch to C&N

* 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 Citizens & Northern branch 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