Checking

For further information regarding these accounts, please call our Client Contact Center toll-free at 1-877-838-2517 or visit your local branch. To find the most convenient location for you, click here.

 

C&N MERIT CHECKING

This account is ideal for anyone looking for an interest bearing account with additional features while maintaining a minimum balance. Features include:

  • Free online bill payment.
  • Ten free Mobile Deposit transactions per month.
  • One free order of basic checks per year for account holders age 55 and over.
  • Free Visa Check Card.
  • Free Internet, Telephone, Mobile and Text Banking.*
  • Statements will be generated at the end of each month.
  • To qualify for the preferred interest rate, C&N Merit Checking Account holders must have the following each calendar month:
    • 1 ACH credit or debit.
    • 10 posted Point of Sale transactions
    • Enrollment in electronic statement delivery
  • Interest is variable and may change at any time. If qualifications are met, a preferred interest rate will be paid on balances from $0.01 - $30,000. Balances over $30,000.00 earn a lower rate of interest. Interest on non-qualifying accounts is variable and subject to change at any time.
  • Qualifying accounts receive a refund of up to $12.00 per month in U.S. ATM fees.
  • The $8.00 monthly service charge will be waived if any of the following conditions are met:
    • Maintain a $500 minimum monthly balance.
    • The account tax owner has a combined consumer checking and savings minimum balance of $5,000 or more.
    • The account tax owner's average monthly consumer and mortgage loan balances are $20,000 or more.

 

C&N RELATIONSHIP CHECKING

This account is ideal for anyone utilizing multiple bank services while maintaining a minimum balance. Features include:

  • Receive free cashier's checks and a small safe deposit box at no charge. If a small safe deposit box is not available at your local branch, you will receive credit toward a larger box.
  • One free order of wallet style, basic checks per year for those age 55 and over.
  • Free Visa Check Card.
  • Ten free Mobile Deposit transactions per month.
  • Free Internet, Telephone, Mobile and Text Banking.*
  • If enrolled in online bill payment, a $2.95 monthly fee will apply.
  • The $8.00 per month service charge will be waived if any of the following conditions are met:
    • Maintain a $500 minimum monthly balance.
    • The account's tax owner has a combined consumer checking and savings minimum balance of $5,000 or more.
    • The account's tax owner's average monthly consumer and mortgage loan balances are $20,000 or more.

 

C&N EVERY DAY CHECKING

This account is ideal for anyone wanting a basic, no-fee checking option. Features include:

  • There are no minimum balance requirements.
  • There are no monthly service charges.
  • Free Visa Check Card.
  • Ten free Mobile Deposit transactions per month.
  • Free Internet, Telephone, Mobile Banking and Text Banking.*
  • Up to three non-C&N ATM withdrawal fees per month will be waived for account holders age 23 and under.
  • If enrolled in online bill payment, a $2.95 monthly fee will apply.

 

OTHER CHECKING FEATURES

  • Checking statements that provide you with your checks sequentially listed in check number order. If you elect to receive your statement electronically, your statement includes digital images of all your checks and is free. There will be a $3.00 Printed Monthly Statement Fee assessed if you do not opt to receive your statements electronically.
  • Imaged checking services that allow the bank to quickly access your paid checks for legal proof of payment. Imaged checks can even be faxed directly to you. Fees apply.
  • Ready Cash Overdraft Protection. Subject to credit approval, you may establish a revolving line of credit to automatically transfer funds to cover overdrafts on your checking account or for quick access to cover short-term cash needs. Fees apply.
  • No Bounce Protection. Individuals can authorize automatic Key Savings transfers to cover checking overdrafts. Fees apply.
  • Automatic Savings Transfers. You can authorize regular automatic transfers from your checking to your Key Savings Account.
  • Telephone Transfers. Individuals can authorize Key Savings to checking transfer by telephone.

* Message and data rates may apply from your wireless carrier for Mobile and Text Banking

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

See our Deposit Rate page for current rates.