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3.00% Reward Checking Account at Citizens & Northern Bank in PA - Local Only

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Citizens & Northern Bank
Citizens & Northern Bank is offering a high-yield reward checking account called e-z Money Checking. It has the following rates if certain monthly requirements are met:
  • 3.00% APY on balances up to $30,000
  • 1.00% on portion of balance over $30,000
  • 0.20% base rate if requirements are not met
  • ATM fee refunds nationwide of up to $20 per month
The monthly requirements include:
  • 10 Visa check card purchases
  • 1 ACH credit or debit
  • Receive e-statements and maintain a valid email address
Other features of this account include:
  • No minimum balance requirements
  • No monthly service fees
  • Free Bill Payment
There's an online application link at the bank's checking page. However, I was told by the CSR that they require you to come into a branch to open the account. They need two forms of ID with one being a picture ID.

Branches are located in several cities in Central Pennsylvania. Some of the cities include Athens, Emporium, Williamsport, Port Allegany, Coudersport, Laporte and Knoxville.

The bank's ratings for safety and soundness are a little weak: 3 stars (adequate) at BauerFinancial (based on 9/30/09 data) and 2 stars (below peer group) at Bankrate.com (based on 6/30/09 data). The bank has been a FDIC member since 1934 (FDIC Certificate # 7799). The bank is part of the holding company Citizens and North Corporation. First State Bank of New York is also a subsidiary of this holding company.

Other Reward Checking Accounts

To find reward checking accounts in other areas of the nation, please refer to the reward checking section of DepositAccounts.com. To learn more about reward checking, please refer to this reward checking overview.
  Tags: Citizens & Northern Bank, Pennsylvania, checking account, reward checking account

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