PERSONAL BANKING – Checking & ATM/Debit Cards Will my checking account number change? No your account number will remain the same!
Will C&N continue to offer the IDProtect service that came with my checking account at Susquehanna Community Bank? Protecting our customers is a top priority at SCB and C&N. IDProtect service offered by Econ-O-Check is being terminated. However, a comparable service from a different vendor will be provided to you in its place. In the near future, a separate communication will be sent out to all customers who received IDProtect with their SCB checking account to provide additional details on this new benefit you will have available to you. I connect my accounts to QuickBooks ® /Quicken ® . What do I need to do to avoid disruptions? To keep your QuickBooks connection running smoothly, there are two important steps: • By December 5, 2025 – Back up your data file and download your final transactions. • On or after December 8, 2025 – Deactivate and then reactivate your online banking connection. This ensures your QuickBooks accounts reconnect properly under the new system. Check our website closer to conversion for more resources to help you avoid disruption. Yes, Overdraft Protection is offered upon request to consumers by linking a savings account, ready cash loan, or home equity line of credit to your checking account. This is considered your no-bounce account. If you have this set up on your account now with Susquehanna Community Bank, it will remain set up when your account converts to C&N on December 8, however, there will be changes to this service. Please refer to page 49 for more details on the changes. Does C&N offer Overdraft Privilege (ODP)? Yes, eligible accounts will automatically be enrolled in the Overdraft Privilege program (ODP) when the accounts convert on December 8. The following transactions are covered under our standard Overdraft Privilege program: checks, ACH-automatic debits, recurring debit card payments, online bill pay items and teller window transactions. The allowable dollar amount limit of how many daily overdraft fees per day you may receive is decreasing from $245.00 to $210.00. Please refer to page 49 to learn more about the rules of the ODP program, extended coverage for ATM transactions and everyday debit card transactions, along with the eligible account types and overdraft limits assigned to each account type. What is the difference between Overdraft Protection and Overdraft Privilege? Overdraft Protection will transfer funds from your linked savings account or line of credit in increments of $50 to your checking account to help prevent your account from becoming overdrawn. A $3 transfer fee is assessed to the savings or line of credit for each transfer. Overdraft Privilege is a pre-determined limit that is assigned based on the type of account you have. The limit allows your account to go into a negative balance up to the overdraft limit amount. If there are insufficient funds in your account a $35 overdraft item fee is assessed for each overdraft item paid and a $35 returned item fee is assessed if there are insufficient funds in your account to pay an item drawn on your account and the item is returned. The overdraft fees are included in the available overdraft limit. Deposits must be made to bring the account to a positive balance within 30 consecutive calendar days and must remain positive for a minimum period of 24 business hours to remain eligible for the Overdraft Privilege program. Please refer to page 49 to learn more about the rules of the ODP program. What if I don’t want Overdraft Privilege on my account? After December 8, you can choose to discontinue Overdraft Privilege in its entirety by contacting us in-person, at 570.568.6851 or e-mailing contactcn@cnbankpa.com. – Overdraft Coverage Options Does C&N offer Overdraft Protection? – Certificates of Deposit (CD) & Individual Retirement Accounts (IRAs) What will happen to my CD or IRA CD? You will keep the same term, interest rate and maturity date you had with Susquehanna Community Bank until your CD matures. What will happen when my CD or IRA CD matures? It will auto-renew into an existing term offered by C&N. You will receive an Advanced Maturity Notice approximately one month prior to the maturity date of your CD. This notice will provide the new CD term and maturity date. Customers have a 10-day grace period beginning on the maturity date to make changes to the CD.
What is C&N's Routing Number? C&N's routing number is 031308302. Will I need to order new checks?
After your account is converted to C&N's system the weekend of December 5, you can continue to use your Susquehanna Community Bank checks. Susquehanna Community Bank checks will be honored, even if presented for payment after the conversion. Once your current check supply runs out, we recommend that you place orders for new checks using C&N's routing number. Check printing fees may apply depending on your account and the style of checks you order. One of our experts will be happy to help you with your first check order with us. When I want to reorder checks or deposit slips, should I use the form that came with my Susquehanna Community Bank checks? You may continue to order checks from Susquehanna Community Bank's check vendor until your account converts to C&N's system the weekend of December 5. Once your current supply of checks run out, it is recommended that you place an order for new checks using C&N's routing number. Check printing fees may apply depending on your account and the style of checks you order. One of our experts will be happy to help you with your first check order with us. I currently order computer checks or use a check ordering service. Can I continue to do this? Yes, you may order checks through your preferred provider or C&N's. The choice is yours. Will I need to change my direct deposit or direct payment programs? The Susquehanna Community Bank routing number will be recognized for the payment of checks, direct deposits, auto payments, etc. for a period of time. After December 8, we recommend that you provide your new routing number to any vendor with which you have set up direct payments within 12 months. One of our experts will be happy to help you through this process. Will my debit card be affected? Your Susquehanna Community Bank debit card will be replaced as follows: • Wednesday, December 3 - Your new C&N debit card should have arrived by now. • Saturday, December 6 - Your new C&N debit card can be activated, but it will not work until Monday, December 8. • Sunday, December 7 - The last day your Susquehanna Community Bank debit card and existing PIN will work. • Monday, December 8 - Begin using your C&N debit card. It has a $3,000 per-day limit and an ATM limit of $500. Will I receive my checking account statement at the same time of the month as in the past? A printed Susquehanna Community Bank statement will be generated on Friday, December 5 and mailed to all customers. C&N statements are generated and mailed at each month-end, including the month of December 2025. Will I receive check images with my statements? Check images are available online to all customers enrolled in e-statements. Additional fees may apply for printed check images. See disclosures section starting on page 26. I currently have e-statements. Will I continue to receive them and will my past statements be available? If you are currently enrolled in e-statements, you will continue to receive your statements electronically. However, past statements will not be accessible after December 5. It is recommended that you download and save any statements you may need before that date and save them for your records. When will funds from deposits be available? Deposits made in cash, or through direct deposits, online banking transfers, text banking transfers, telephone transfers and wire transfer deposits will be available immediately. Check deposits are generally available on the business day following the day the deposit is considered received. Checks drawn on a C&N account deposited at a C&N branch will be available immediately. An uncollected funds fee of $35.00 will be charged if there are insufficient funds available to pay any item drawn on your account or if you receive cash in excess of available funds. Your available balance equals the account’s current balance minus any account holds. For further information regarding
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funds availability see our funds availability disclosure on page 45. When will my funds be available if I use mobile check deposit?
Deposits made before 5:00 PM Eastern time will be available the following business day. Any deposits submitted after 5:00 PM Eastern time will be posted the following business day and available the business day after that.
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