We are pleased to introduce our new checking account products: C&N Merit, C&N Relationship and C&N Everyday. Click here for a detailed description of these exciting new products. Below is a description of our former checking account products. Effective April 1, 2015, these checking account products will convert to one of our new checking account products. For further information as to which account your checking product will convert to, please contact your local branch or call us toll-free at 1-877-838-2517.

e-z Money Checking
This free account, open to consumers only, pays a higher rate of interest than many CDs and appeals to those who bank online and use debit cards often.

  • ´╗┐Different´╗┐´╗┐ rates for different balance levels
  • No minimum balance required
  • To qualify for higher rate of interest you must:
  • Have at least one direct deposit or debit per month
  • 10 or more debit card transactions monthly
  • Enroll in e-statements
  • Free Internet Banking
  • Free Bill Pay
  • Refund of up to $20 per month in US ATM fees for qualifying accounts

e-z Money Q&A's

Free Checking

  • No minimum balance required
  • No per check charge
  • No monthly maintenance charge
  • Free electronic statements
  • No Annual Fee Visa® Check Card

Checking Plus

  • Free first order of wallet or wallet duplicate style checks
  • Free Cashier's checks
  • Free Internet Banking bill payment
  • Free small safe deposit box (when available)
  • Free electronic statements
  • No minimum balance required to open this account
  • No monthly maintenance or activity fees if you maintain a minimum $500 daily balance. If your minimum balance is less than required, an $8.00 monthly fee will be waived if the total minimum balance of all your checking and savings accounts is greater than $5,000.

Interest Checking

  • Tiered interest rates: Daily collected balances in the range of $500-$2,500 will earn an interest rate determined by the bank. Balances in excess of $2,500 will earn interest at a higher rate
  • Free Internet Banking and Bill Pay
  • Free electronic statements
  • No maintenance charge if your account maintains a minimum balance of $1,000. The maintenance charge will also be waived when the total minimum balance of all your checking and savings accounts is greater than $10,000
  • A $.25 per check charge is assessed on all checks over 40 per month


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 $2.00 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. If you qualify, C&N will establish a revolving line of credit 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.

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

See our Deposit Rate page for current rates.