PERSONAL BANKING continued
CONVENIENCE SERVICES – Digital Banking Does C&N offer digital banking? Yes! C&N offers an extensive suite of mobile and digital banking services.
NEW BALANCE TO AVOID MONTHLY
NEW MONTHLY SERVICE CHARGE 1
FORMER SCB ACCOUNT
OTHER ACCOUNT CHANGES
NEW OR CONTINUING FEATURES
NEW C&N ACCOUNT
INTEREST 2
Is there a fee for digital banking? No, it is free for C&N customers. How do I access my account online?
SERVICE CHARGE
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• Your account will mature and payout on the 15th of your selected payout month and renew to a 12 month product after the annual payout is made. • During the 10-day grace period following your renewal, you may change your payout month. • Payout by Official Bank Check will no longer be available as of 12/8/25. Payout options will be automatic transfer to a C&N checking or savings account or to an external bank account. • $3.00 Printed Statement Fee waived if you sign up for Digital Banking and enroll in electronic statement delivery. 1
REQUIRED
Starting December 8 at 9:00 AM, you can access digital banking by visiting cnbankpa.com or downloading the C&N mobile app from the app store. The app can be found by searching for "C&N." Simply enter your existing username and password. The system will prompt you through receiving a secure access code to verify your identity and creating a new password. Please complete this by December 18. If you do not access the system on or before December 18, your username will be disabled. If it becomes disabled, the Client Care Center will help you reactivate your username. Will my existing username change? No, you can continue using your existing username, even on C&N's system. I am currently enrolled in bill pay. Will my payments be affected? No, established bill payments will not be affected. However, bill pay will be unavailable from December 1 at 9:00 AM through December 8 at 9:00 AM. During this time new bill payments cannot be set up. I currently have future date scheduled or recurring payments. Will these be impacted? Scheduled payments and recurring payments will be converted to the new system for you. We recommend that you verify everything has been converted correctly when access is restored on December 8. Will I need to set up my payees in the C&N bill pay system? No, your current payees will automatically convert to the C&N bill payment system. I currently have eBills enabled through bill pay. What do I need to do to avoid disruption? To ensure a smooth transition, please disable any eBill payments you’ve set up no later than December 1. Once digital banking is restored on December 8, you can re-enroll your bill payments for eBill delivery in the new system. We are unable to transfer this information on your behalf. I set up custom balance or account alerts within SCB’s digital banking. Will these transfer over? No. Custom balance or account alerts can be recreated in C&N’s digital banking, beginning December 8. Yes, starting December 8, download the C&N app by searching for "C&N." Simply enter your existing username and password. The system will send you a secure access code to verify your identity, so you can move forward with creating a new password. Your existing Susquehanna Community Bank app will be disabled on December 5 at 5:00 PM. Will I still be able to deposit checks with my mobile app? Yes, the C&N app offers free mobile check deposit. 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. I am not currently enrolled in digital banking. How can I enroll? Starting December 8, you can enroll online at cnbankpa.com. Just choose “Enroll Now” to get started. You can also enroll through your local C&N office or by connecting with our Client Care Center at 570.568.6851. – Person-to-Person (P2P) Payments Does C&N offer a person-to-person payment service to send money to other people electronically? Yes, C&N will offer Zelle ® . We’re excited to be adding enhanced capabilities for our customers. During this upgrade, there may be a short disruption of the service and, if so, you will be notified in advance. –Mobile Banking Will my mobile banking app be affected?
• $10 fee for early closure of account outside of the 10- day grace period following renewal. 6 • One free withdrawal in-branch. $10 fee for each additional withdrawal outside of 10-day grace period. • Free digital banking • Free e-statements • Free mobile banking app
All Purpose Club Accounts
Milestone Club Account
$0.00
$0.00 No Changes
Christmas Club Accounts
C&N Eagle Premium Savings
Eagle Premium Savings Liberty Premium Market Share Eagle Premium IRA Savings
No Changes
No Changes No Changes
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REQUIRED
C&N Liberty Premium Market Share C&N Eagle Premium IRA Savings
• Free digital banking • Free mobile banking app
No Changes
No Changes No Changes
AR ACTION
No Changes
No Changes No Changes
REQUIRED
1 Fees waived until March 31, 2026. Fees may apply beginning with your April 2026 statement. 2 Beginning December 8, 2025, contact your local branch, call 570.568.6851 or visit us online at cnbankpa.com for current interest rates and annual percentage yields. 3 For further information regarding maintenance service charge waiver criteria and qualifying account criteria please refer to your Merit Checking Truth in Savings Disclosure on page 28. 4 New tiers are in place for your interest-bearing account. Please refer to your Truth in Savings Disclosure in pages 28 - 38 for information on your new tiers. 5 Youth Key Savings accounts automatically become Key Savings accounts upon the primary owner attaining age 19. Please refer to your Truth in Savings Disclosure on page 30 for further information. 6 Fees may reduce earnings on this account. 7 Additional communication to be sent out on ID Protection Service including enrollment details and monthly fee. 8 Free checks are limited to certain products through Harland Clarke check vendor. Customer responsible for expedited shipping cost if selected.
AR ACTION
REQUIRED
HOW TO ACCESS YOUR ACCOUNT DIGITALLY Starting December 8 • Go to cnbankpa.com or download the C&N Mobile App from your app store • Search “C&N” to find it quickly • Log in to your account using your existing username and password • The system will guide you through: • Receiving a Secure Access Code (SAC) to verify your identity • Creating a new password Complete Setup by December 18 • You must log in at least once by December 18 to keep your username active • If you miss this deadline, your username will be disabled, but the Client Care Center can help you reactivate it
– ATMs Will ATMs be operable on the weekend of December 5? Yes, there will be no interruption of service.
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