C&N Bank Promotions: $50, $400 Checking, Referral Bonuses (NJ, NY, PA)

Take advantage of the current C&N Bank promotions, bonuses, and offers here.

Update 2/25/25: The $400 checking bonus is back through 12/31/25. If you have an account (or not), you can currently earn a $50 bonus when referring family and friends to open a new account. Both parties will earn the $50 bonus.

C&N Bank Promotions Review

C&N Bank’s mission to create value through lifelong relationships with the residents of Pennsylvania and New York. C&N offers a variety of banking solutions, including checking accounts, savings accounts, mortgages, business loans and more.

At C&N Bank, they believe managing your finances should be a fulfilling, trouble-free experience so you can spend less time making a living and more time making a life.

I’ll go over C&N Bank offers below.

C&N Bank $400 Checking Bonus

• What you’ll get: $400 bonus
• Availability: NY, PA
• Direct Deposit Requirement: Yes
• Credit Inquiry: Soft Pull
• Monthly Fees: None
• Early Termination Fee: None listed
• How to earn it:
  • Open a new C&N Checking account using promo code SWITCH.
  • Start your account with deposits totaling $1,000 within the first 7 business days from the open date.
  • Have your paycheck or other deposits made directly into your new account, totaling at least $5,000 within the first three months.

(Offer expires 12/31/2025)

Fine Print

• Receive $400 Bonus when you open your checking account with deposits totaling $1,000 within the first 7 business days from account opening date.
• Offer valid through December 31, 2025, for consumer checking account products only and only valid once per primary account owner.
• C&N employees are not eligible to participate.
• Must be age 18 or older.
• Consumer checking products include C&N Everyday Checking, C&N Relationship Checking and C&N Merit Checking.
• Three months of consecutive direct deposit totaling a minimum of $5,000 over the three months required to receive Bonus payout.
• will occur within 45 days of six-month direct deposit.
• Payout valid through June 30, 2026. Promo code for the Friends and Family Bonus must be used to receive bonus.
• Only one promo-code may be used at account opening.
• Offer valid for applicable counties in our C&N Market Area located at https://www.cnbankpa.com/About/Investor-Relations/C-N-Corporate-Profile.

C&N Bank $50 Referral Bonus

• What you’ll get: $50 bonus
• Availability: NJ, NY, PA (Bank Locator)
• Direct deposit requirement: Yes
• Credit inquiry: Soft Pull
• Monthly fees: None
• Early termination fee: Bonus forfeit if account is closed within 6 months
• How to earn it:
  • Register. Sign in to your C&N Digital Banking and choose the “Refer-A-Friend” option in the Services menu.
  • Refer. Share your unique link.
  • Qualify. In order to get the $50.00 reward, the referred friend must open a new C&N checking account and:
    • Make one direct deposit of $500.00 or more into the new account in the first 60 days, AND
    • Make 15 debit card transactions in the first 60 days (excluding ATM transactions)
  • Reward. Once the qualifications are complete, both you and your friend will receive a $50 direct deposit within 30 days.

(Limited time offer)

Fine Print

• Receive a $50 bonus when you refer a friend online, and the referred friend opens a checking account online, makes a direct deposit of $500 or more and makes 15 or more debit transactions within the first 60 days.
• If these two conditions are met, both you and your referral will receive a deposit of $50 in your checking account within 30 days.
• You may refer as many friends as you like, and earn up to 10 awards in each calendar year. Counters will reset every year.
• Account opening is subject to approval. Offer valid for account owners 18 years of age and older.
• Consumer checking accounts include C&N Everyday Checking, C&N Relationship Checking and C&N Merit Checking.
• Accounts must remain open for six months from opening date.
• Offer may be withdrawn at any time.

How to Avoid Monthly Fees

• C&N Merit Checking: Avoid the monthly fee with:
  • $500 Minimum Balance -OR-
  • $0 if combined consumer checking and savings balances of $5,000 or greater -OR-
  • $20,000 in average monthly active consumer and mortgage loan balances
• C&N Relationship Checking: Avoid the monthly fee with:
  • $500 Minimum Balance -OR-
  • $0 if combined consumer checking and savings balances of $5,000 or greater -OR-
  • $20,000 in average monthly active consumer and mortgage loan balances
• C&N Everyday Checking: No monthly fees
• Business Analysis Checking: An earnings credit calculated daily offsets/reduces any service charges
• Super B Checking: Maintain a low minimum balance to offset a monthly maintenance fee
• Business Interest Checking: Maintain a low minimum balance to offset a monthly maintenance fee

Author’s Verdict

The C&N Bank bonus is a simple way to earn by opening a new checking account. This promotion is for a limited time so sign up now if it interests you.

For more current offers, check out our bank bonuses page. Compare C&N Bank rates for CDs and Savings with our best rates for Savings and CD accounts.

Be sure to check more popular bank promotions include Chase Bank, Discover Bank, TD Bank, Huntington Bank, HSBC Bank, and many more.