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Online Payments

However you pay your bills, we have you covered. Our bill paying solutions allow you to pay, manage and track your bills and payments from the convenience of your C&N mobile banking app and online banking.

Pay Bills Online Quickly & Securely

  • Pay your bills* in minutes without postage and late fees
  • Stay Organized
    All of your bills are consolidated for easy management.
  • Peace of mind
    Schedule bill payments so you never miss a due date.

Pay Digitally with Your Mobile Wallet & C&N Visa® Card

Now you can enjoy all the benefits of your C&N Visa Check Card or C&N Visa Credit Card using Apple Pay, Google Pay, Samsung Pay, Fitbit Pay or Garmin Pay on compatible devices. It's an easy and secure way to pay without your physical card.

  • Contactless Payments
  • Smart Digital Payments
  • Add Your C&N Check or Credit Card
  • Pay with a mobile device
  • Two layers of financial security
  • Pay on the go

What is a Digital Wallet?

Paying with your smart device is gaining popularity at retail stores. Some call this contactless payments, others may refer to this as a Mobile or Digital Wallet. Either way, this is a digital form of your debit or credit card that you can use to make payments from your compatible smartphone, smartwatch or tablet. To pay, simply open your Mobile Wallet and hold your device near a store's POS terminal to send encrypted payment information to complete your purchase.

Are digital payments safe?

Great question! Paying with Apple Pay, Google Pay, Samsung Pay, Fitbit Pay or Garmin Pay utilizes your device's password as one layer of protection. In addition, these payment services use a unique code that's encrypted for each transaction. Check with the individual services to understand their specific security measures.

Benefits of Using a Mobile Wallet

Using your C&N debit or credit card with your Mobile Wallet has many benefits including:

  • Quickly make payments without your card
  • Many Mobile Wallets offer discounts and rewards
  • Pay within apps and online quickly and easily

Message and data rates may apply from your wireless carrier.

Why carry cash when you can PeoplePay?

PeoplePay is C&N's person-to-person payment feature that allows you to transfer funds to your family and friends in PA, NY and beyond straight from your C&N Online Banking or Mobile Banking App. There is no need to download a separate app and it's free* to use!

Digital Payment Flexibility

PeoplePay now has more financial institutions accept payment through PeoplePay, expanding your payment abilities. Your payee can choose to accept payments using their debit card or using a next-day electronic (ACH) option

Convenient Payment Processing

Your money will come out of your account as soon as your payee chooses how they want the funds to transfer. The funds will come out immediately if they choose debit card or overnight if they choose the ACH (electronic) option. Your payee will no longer be required to enter their debit card information with every payment. After choosing how they want the money to transfer the first time, all future payments will default to the same option until they choose a different method.

Payment Security

To make sure your payments are secure, the first time you enter a new payee, you will be asked to enter a one-time passcode before proceeding. If your payee does not pick a payment right away, they will receive notifications after 3 days and again after 5 days to cut down on missed payments. Additionally, to help further protect your account, transfers may only occur if you have sufficient funds in your account.

* You may be charged access rates depending on your mobile phone carrier. Check with your service provider for details.

** C&N will not be held responsible or make refunds for payments made for the exchange of goods or services that are unlawful or not delivered as expected. Only use PeoplePay with people you know and trust.

C&N offers two great ways to pay your bills online through your C&N mobile banking app or online banking, each with its own distinct uses and features. Compare the bill pay options below so you know which service to use for each of your digital payments.


Biller Direct

Online Bill Pay

Ability to send person-to-person payments (i.e. landlord or babysitter)   Yes
Sends payment as paper check or ACH from account   Yes
Supports recurring payment options Yes Yes
Requires online company credentials Yes  
Payment made using debit card Yes  
Ability to set up email or text notifications for payment updates Yes  
Payments made in real time Yes  

*Online Bill Pay may incur a monthly fee depending upon your Checking account product.

Biller Direct

Use Biller Direct for payments you make with your debit card on a company's website. Biller Direct links directly to participating biller websites, saving you from visiting multiple sites and using various logins. All your bills can be managed in an easier, more intuitive interface in real time so you know exactly when your bills are paid.

If you have C&N's mobile app or online banking, you can get started immediately. Simply login, go to "Move Money" from the menu, find the "Payments" section and choose "Biller Direct." As a C&N customer, Biller Direct is ready for you to add a bill and begin making payments right away!

Go to "Add a Bill" to bring up a list of companies that are compatible with Biller Direct. Choose the company you would like to add and login using the credentials for the account that you use for that biller.

Once your bills are set up, Biller Direct tracks everything for you to simplify your bill management. It will let you know if your payments need attention, when your bills are scheduled and give you a complete history for each biller.

Maybe it's easier for you to remember "Cable" instead of your cable company name? If so, add a custom label for your bill to make it easier to find. You can also turn on notifications so you never miss a thing! If your biller changes your payment amount, Biller Direct will notify you so you're always aware of your bills down to the penny.

Turn on notifications and get a text or email whenever a bill is ready to be paid or updated.

Online Bill Pay

Use Online Bill Pay to make payments to anyone or any company online using your Checking or Savings account. This is a great alternative to make payments when an online card isn't an option, such as an outside loan payment, local utilities or your landlord. Online Bill Pay saves you from the time and hassle it takes to write a check and buy stamps.

You can enroll in C&N's Online Bill Pay in three easy steps:

  1. Access and log in to your account.
  2. Use the "Bill Pay" link to access the enrollment form.
  3. Complete the enrollment form and click submit.

Once you're enrolled, you can begin making payments by following these steps:

  1. Grab a bill and log in to your account.
  2. Click on the "Bill Pay" link.
  3. Add your payee from the "Payees" tab.
  4. Enter the amount you want paid and make your payment.

Yes, inside the Bill Pay system, you can easily schedule them out to go at a certain time, or if the payment is a set amount, you can set it up to go at regular intervals, such as monthly or biweekly.

Bill payments are sent one of two ways—electronically or by paper checks. The majority of payments are delivered electronically. Your payment information, such as your account number, is sent via secure transmission. All other payments are made by paper checks that are mailed via the U.S. Postal Service.

Paying bills online is one of the safest ways to pay your bills. Online Bill Pay helps guard against identity theft from lost or stolen checkbooks, bills and statements. It also increases your privacy because only you can access your account information, account numbers and payment history. As a result, you maintain tighter control of your account with real time access to your payments activity.

Generally, your payment is received within 2 to 7 days, depending on whether or not it is sent electronically or via paper check.

Most scheduled payments are sent electronically and funds are withdrawn from your account on the process date.

Refer a friend to C&N and you'll both receive a special bonus: $50 for you, $50 for them!