BUSINESS BANKING continued
What is the difference between Overdraft Protection and Overdraft Privilege? Overdraft Protection will transfer funds from your linked commercial line of credit in increments of $100 or your linked business money market in increments of $50 to your checking account to help prevent your account from becoming overdrawn. A $3 transfer fee is assessed to the line of credit or business money market account 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. 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 Monday, December 8, you can choose to discontinue Overdraft Privilege in its entirety by contacting us at 570.568.6851 or contactcn@cnbankpa.com, or notify your local branch office. On December 8, 2025, your account will be converted to a new C&N account. Please review the fee schedule on page 27 and your corresponding Truth in Savings Disclosure in the Notices and Disclosures section of this booklet located on pages 28 - 38 for information about what is changing for your account. This chart indicates to which C&N account type your Susquehanna Community Bank accounts will transition. To determine which account type you are currently in, you may review a recent SCB statement or contact your local branch. We are currently reviewing customer accounts to determine if another account may be a better fit for you. If we determine that to be the case, we will be in contact with you. In the meantime, if you feel you’d be better suited for a different account than what’s listed in this chart, please feel free to review additional account types in the back of this booklet in pages 28 - 38 or review our website at cnbankpa.com. If you would like a different account type, please let us know and we’ll be happy to help.
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.
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• 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 $5,000 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 final Susquehanna Community Bank statement will be generated on Friday, December 5 and mailed to all customers. C&N statements will generate at each month-end, including the month of December 2025. 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 are 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 funds availability see our funds availability disclosure on page 45. Will I be able to keep my All Purpose Club or Christmas Club account with C&N? Yes, with some minor changes. Please see the account conversion chart on page 14 for additional details. 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.
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NEW BALANCE TO AVOID MONTHLY SERVICE CHARGE
NEW MONTHLY SERVICE CHARGE 1
FORMER SCB ACCOUNT
NEW C&N ACCOUNT
OTHER ACCOUNT CHANGES
NEW OR CONTINUING FEATURES
INTEREST 2
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• $2.00 excess fee per check/ withdrawal plus an $10.00 maintenance fee for all checks and withdrawals not made in person, by mail, or through an ATM that exceed 6 per calendar month. • $15 fee for accounts closed less than 6 months from the date they are opened. • $5 fee for accounts that become dormant after 732 days of customer inactivity. The fee is not charged if your account balance is $5,000.00 or more. • $12.50 returned check fee if a check is deposited into your account and returned for any reason.
Business Money Market
• Free basic wallet checks • Free digital banking • Free e-statements
Business Super Money Fund
• Interest bearing account. 3 • Interest will be compounded and credited monthly. • Minimum daily collected balance of $1,000.00 is required to earn interest. Interest is paid for each day the collected balance meets or exceeds the minimum.
– Overdraft Coverage Options Does C&N offer Overdraft Protection?
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Yes, Overdraft Protection is offered upon request for businesses by linking a commercial line of credit or business money market 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
$10.00
$1,000.00
to page 49 for more details on the changes. Does C&N offer Overdraft Privilege (ODP)?
• Earn more than traditional savings accounts • Free basic wallet checks
Municipal Super Money Fund
Business Money Market for Municipals
Yes, eligible accounts will automatically be enrolled in the Overdraft Privilege program (ODP) when the accounts convert on Monday, December 8. The following transactions are covered under our Overdraft Privilege program for businesses: checks, ACH-automatic debits, recurring debit card payments, online bill pay items, teller window transactions, ATM transactions and everyday debit card transactions. For businesses, ATM transactions and everyday debit card transactions are automatically covered under our Overdraft Privilege program and there are no limits to the amount of overdraft fees you may have in a day. Please refer to page 49 to learn more about the rules of the ODP program along with the eligible account types and overdraft limits assigned to each account type. QUICKBOOKS ® /QUICKEN ® USERS – ACTION REQUIRED To avoid disruptions with your accounts: • By Dec. 5, 2025 – Back up your data file & download final transactions. • On/after Dec. 8, 2025 – Deactivate & then reactivate your online banking connection. Following these steps ensures your accounts connect smoothly to the new system.
C&N Eagle Premium Savings C&N Liberty Premium Market Share
Eagle Premium Savings
No Changes No Changes No Changes
No Changes
Liberty Premium Market Share
No Changes No Changes No Changes
No Changes
• Interest bearing account. 3 • Interest will be compounded and credited monthly and submitted to PA IOLTA Board.
• Free digital banking • Free e-statements
IOLTA Program Account
IOLTA Checking
No Change
No Change
No Change
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