Checking

C&N offers three very flexible and competitively priced checking accounts for business and commercial customers.

Business Analysis Checking
This account is for high volume businesses. The account carries a monthly maintenance charge, plus activity charges which may be reduced or eliminated by an earnings credit. There is no minimum balance requirement. A service charge analysis statement will be provided on any account where a service charge is assessed. To offset or reduce any service charges, an earnings credit will be calculated on the average daily collected balance during the statement cycle. The earnings credit begins to accrue on the business day you deposit cash For non-cash items such as checks, the earnings credit is accrued no later than the business day that we receive credit for the non-cash item.

Super B Checking
If you own a small business and carry a low balance with low activity volume, this account was created for you! There is no minimum balance requirement to open this account. A low minimum balance will offset the monthly maintenance fee. No interest is paid on the checking balance and an earnings credit is not accumulated on this account to offset any service charges.

Business Interest Checking
Sole proprietorship and not for profit businesses can earn interest on checking balances with this account. No minimum balance is required to open this account. A daily collected balance of $500 is required to earn interest. Interest is paid for each day the balance meets or exceeds the minimum. Interest is paid on a tiered rate - collected balances of $2,500 or more will earn interest at a higher rate than those collected balances of $500-2,500. Interest is credited and compounded monthly. A low minimum balance will offset the monthly maintenance fee.

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Please contact your local Citizens & Northern branch for our Truth-In-Savings Disclosure for complete details.

See our Deposit Rate page for current rates.

No matter the size of your business, C&N has the commercial banking services you need. And, we can tailor a package of services to meet your unique business requirements.