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Citizens & Northern Bank Review

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Citizens & Northern Bank Savings
0.10% APY
1. Overview 2. How We Rated It 3. Products Offered 4. Branch Locations


Started in 1864, Citizens & Northern Bank has $1 billion in assets as well as $1 billion in deposits, ranking it as a medium-size bank. Citizens & Northern Bank, whose headquarters are in Wellsboro, Pennsylvania, lacks premium access to support representatives, with no live chat or all-day service options available. It is a traditional brick-and-mortar bank with access to service representatives at a physical location, in addition to its online and mobile offerings. SmartAsset experts rated the bank 4.1 out of 5 stars, suggesting Citizens & Northern Bank is a respectable bank that you should consider. Citizens & Northern Bank offers a selection of product offerings, including savings accounts, checking accounts, CDs, IRAs, mortgage products and credit cards. Citizens & Northern Bank has a fair savings rate; you can find higher rates with other banks. If you're interested in stress-free personal checking, Citizens & Northern Bank's standard checking account does not have a monthly fee. Banks that offer free checking as well as a high interest rate savings account are the best option for returning the most income from your deposits alongside convenient access to your funds.

How We Rated It

SmartAsset's Overall Rating

National Average: 4.1

The overall rating is a weighted average of rates, fees, service quality and financial health.Read more


SmartAsset Average: 3.5

With a savings rate of 0.10%, Citizens & Northern Bank ranks poorly as compared against the national average. Citizens & Northern Bank's one-year CD has a rate of 0.90% and the five-year CD has a rate of 1.91%, while its highest-yielding money market account earns at an APY of 0.25%. Given Citizens & Northern Bank's below average savings rate, you should consider taking a look at other banks for savings accounts.

How Citizens & Northern Bank's Savings Rates Compare

Citizens & Northern Bank Savings 0.10 National Average 0.26 Compare Offers
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SmartAsset Average: 4.4

Citizens & Northern Bank generally has low fees compared to the national average. With no monthly fee, Citizens & Northern Bank is perfect for those who want a simple checking account. Also, it has an overdraft fee of $35.00, which is on par with the average overdraft fee charged by U.S. banks. Citizens & Northern Bank does not refund out-of-network ATM fees, which means you will have to search for a Citizens & Northern Bank ATM or pay the ATM charge.

Monthly Fee $0 National Average: $3.21
Non-network ATM Fee N/A National Average: $1.20
Overdraft Fee $35.00 National Average: $35.00
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Service Quality

SmartAsset Average: 3.7

Citizens & Northern Bank is a brick-and-mortar bank, with 26 total bank locations in New York and Pennsylvania. With mobile and web apps, Citizens & Northern Bank makes account access convenient, even on the go. Citizens & Northern Bank gets moderately high marks from customers for its mobile banking services. The Citizens & Northern Bank mobile app has an overall rating of 4.3 out of 5 (out of 140 customer reviews on Apple and Android) compared to the national average of 3.8. You can use Citizens & Northern Bank's mobile app to manage your bank accounts by reviewing monthly statements, transferring money as well as reaching customer service. Citizens & Northern Bank gets a superb consumer satisfaction score due to relatively few consumer complaints filed with the Consumer Financial Protection Bureau (CFPB), a government-backed consumer protection agency.

Overall Mobile Rating 4.3/5
Consumer Satisfaction Rating 5.0/5
Online Banking Portal No
Live Chat No
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Financial Health

SmartAsset Average: 4.8

Citizens & Northern Bank ranks as a medium-size bank and handles assets totaling $1 billion and $1 billion in deposits. Citizens & Northern Bank's Texas Ratio is 10.28%, indicating that Citizens & Northern Bank is in good financial well-being and far from failure. Additionally, Citizens & Northern Bank is FDIC-insured, meaning that your money is insured up to $250,000, even in the event of bank failure.

Texas Ratio Analysis

High Risk 75% 50% 20% 10% Low Risk

The Texas Ratio, a measure of a "bad assets" against available capital, can provide an early warning sign of bank failure. A low ratio indicates smaller chance of failure; a higher ratio suggests greater risk.

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Compare Citizens & Northern Bank to Other Competitive Offers

Products Offered

Product Current Terms and Rates Minimum Balance for APY
Savings Account 0.1% APY $200
Certificates of Deposit
  • 12 Month: 0.90% APY
  • 24 Month: 1.05% APY
  • 36 Month: 1.81% APY
  • 48 Month: 1.86% APY
  • 60 Month: 1.91% APY
$10000 for all terms
Money Market Account 0.15% APY $5000

Citizens & Northern Bank has several deposit products including savings accounts, checking accounts and CDs to give you many options to manage your money. Citizens & Northern Bank does not have the best savings rate, which means you should think about taking a look elsewhere for banks that deliver more return for your money. CDs can be a terrific option to achieve higher returns, but there are limitations to accessing your money. Citizens & Northern Bank's CD rates are fair in comparison to the average U.S. bank.

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Find a Citizens & Northern Bank Near Me

Citizens & Northern Bank has 26 locations across the U.S.

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