Novel Coronavirus (COVID-19)

C&N Office Lobbies Returning to Regular Posted Saturday Hours Effective 3/20/2021

All Saturday office hours will return to their normal posted hours beginning on Saturday, March 20th. The following offices are affected: 

• Elkland will be open 8:30 - 12:00
• Knoxville will be closed
• Liberty will be open 8:30 - 12:00
• South Williamsport will be open 8:30 - 12:00
• Towanda will be open 8:30 - 12:00

In all of our offices, we will continue to follow recommended safety guidelines, including:

 

• Mask requirements continue to be in place for customers and employees in adherence with the CDC guidelines
• Plexiglass barriers are in place in each office
• 6 feet social distancing expectations remain in effect for customers and employees
• All counters, drive-up canisters and ATMs will continue to be cleaned frequently
• Occupancy limits have been set at 75% in each office
• We will be reinstating a recommended day/time for our elderly & high-risk customers to visit our lobbies as follows:
  • Wednesdays from 8:30am to 9:30am for all offices that open at 8:30am
  • Wednesdays from 9:00am to 10:00am for all offices that open at 9:00am

C&N Office Lobbies to Reopen on Tuesday, February 16

Our Saturday hours will return to normal beginning February 20th with the following exceptions:

• Towanda will remain drive-up only
• Elkland will be closed
• Knoxville will be open
• South Williamsport will be closed
• Liberty will be closed

The lobby in our Williamsport Court Street office will temporarily remain closed to walk-in customers. Our drive-up services will remain available at that location, and lobby access will be available by appointment.

In all of our offices, we will continue to follow recommended safety guidelines, including:

 

• Mask requirements continue to be in place for customers and employees in adherence with the CDC guidelines
• Plexiglass barriers are in place in each office
• 6 feet social distancing expectations remain in effect for customers and employees
• All counters, drive-up canisters and ATMs will continue to be cleaned frequently
• Occupancy limits have been set at 75% in each office
• We will be reinstating a recommended day/time for our elderly & high-risk customers to visit our lobbies as follows:
  • Wednesdays from 8:30am to 9:30am for all offices that open at 8:30am
  • Wednesdays from 9:00am to 10:00am for all offices that open at 9:00am

12/30/2020: Federal Relief Package | Round 2 Q&A
On December 27th, 2020, President Trump signed the 5,500-page, $900 billion COVID-19 economic relief bill. As there are still many questions surrounding details of the bill, we are sharing some answers we have now to keep you Informed&Prepared. 
 
For Small Businesses

Q. Will local small businesses benefit from this round of funding?
A. The deal approved by Congress includes $325 billion for small businesses still struggling from the economic dislocations caused by COVID-19. Most of it ($284.5 billion) will go to a more targeted PPP program.

Q. Will small businesses that already received a PPP loan be eligible for second loan?
A. Yes, small businesses with less than 300 employees will be able to get a second loan if they can demonstrate they had a revenue reduction of 25%. The bill also includes a streamlined forgiveness application for loans of $150,000 or less to reduce the burden on the smallest borrowers. 

Q. Is there anything businesses can do in advance to prepare?
A. While we expect much of the process to be the same this time around, we encourage you to visit the Small Business Administration Website for the latest on PPP loans: Small Business Administration Website.

 
For Consumers

Q. Will I receive a stimulus check? 
A. The most recent relief legislation contains provisions for a second round of stimulus checks to be made directly to recipients (called Economic Impact Payments, or EIPs). 

Q. How much will I receive?
A. The final individual payout amount is still unclear. The President authorized the bill with a $600 payout per individual, including dependents, but the House and Senate have debated different amounts. 

Q. What do I need to do to receive my payment? 
A. The vast majority of consumers don’t need to take any action. According to the government, the IRS will calculate and automatically send 130 million EIPs via direct deposit to be available to eligible recipients. During the initial round of EIPs this past spring, the IRS hosted live internet portals that allowed recipients to register their banking information to receive their payments electronically. We expect them to pursue a similar strategy, but we are waiting official confirmation. For the most up-to-date information, consumers should visit IRS.gov/Coronavirus.

Q. When will I receive my stimulus payment?
A. The payments are expected to be sent before year-end. The banking industry is working closely with the Treasury Department to help our customers receive their payments quickly, securely and safely during this challenging time. 
 
TIP: Did you know that you can view pending deposits to your account in our Mobile App or Online Banking? Simply choose “Pending Transactions” under the “Payments & Transfers” section in the main menu:

Q. How will I receive my stimulus money?
A. The funds are expected to be sent in one of three ways:

1.    The fastest way to get money safely and securely is through direct deposit to your bank account. The IRS already has direct deposit information for millions of Americans from the first round of EIPs in April. 

2.    A reloadable prepaid debit card will be sent to some people. The last time, many people overlooked this as junk mail and threw out the cards by mistake. Keep your eyes on your mail for an envelope from the U.S. Treasury if your funds are not direct deposited.

3.    As a last resort, the government may need to send millions of checks across the country despite the challenges this will pose in communities with “stay-at-home” orders and reduced bank business hours. There are fixed capacity limitations on mailing checks, so some recipients may be waiting weeks for theirs to be mailed. C&N strongly encourages our customers to deposit your paper checks using our Mobile App or visiting a local C&N office. 

While the final details of the bill in its entirety are not yet clear, you have our continued commitment to keep you Informed&Prepared as we navigate the anticipated second round of stimulus relief together. You’ll be hearing from us again soon.

​​11/20/2020: All C&N branches will limit operations to drive-up and appointment-only services beginning Monday, November 23rd.
In response to the government’s newly released guidelines and to assist with community mitigation efforts, all C&N offices will limit branch operations to drive-up services only beginning Monday, November 23rd. All lobby appointments must be made in accordance with state health orders. 
 
Here’s what you need to know:
 

• Drive-up service will operate with regular banking hours.
• Walk-in/Lobby service will be restricted to appointment-only. All appointments must be made in accordance with state health orders. 
• For those C&N offices without a drive-up, walk-in/lobby service will operate by appointment. All appointments must be made in accordance with state health orders. 
• Visit C&N’s location finder tool for a comprehensive list of our offices, ATMs and drive-up services.
• For circumstances requiring branch access (i.e. loan inquiry or closing, wealth or tax consultation, safe deposit box or other special circumstances), we encourage you to call your C&N relationship manager at their direct line or our Client Care Center at 877.838.2517 to schedule an appointment.

We encourage you to leverage our digital solutions and other resources for self-service banking and 24/7 account access:
 

• With our Online Banking and Mobile App, you can do almost anything you can do in a bank branch from the comfort of your home.
• ATMs are widely available. To find an ATM near you, visit our locations finder.
• Our knowledgeable Client Care Center experts are happy to answer your questions and complete many types of transactions over the phone. Simply call toll-free 877.838.2517.
• Utilize our online chat option 
• You can open a new account at any time. 

We apologize for any inconvenience these changes may present. Serving our clients, employees and communities continues to be of utmost importance to us, and we appreciate your patience and understanding as we navigate this situation together.

06/25/2020: Bucks County Offices resume normal lobby hours
All offices in Bucks County will resume lobby hours as of June 29, 2020. Saturday schedules will return to normal on July 11. 

In all offices we will still practice safety guidelines including:

• C&N employees & customers to wear face coverings at all times
• 6 feet social distancing from employees and between customers should be followed
• All counters, drive-up canisters and ATMs cleaned frequently
• Hand sanitizer or wipes available for customers and employees
• We continue to encourage our customers to use drive-up and online solutions whenever possible

06/15/2020: Hornell and Canisteo offices to resume normal lobby hours
Our Hornell and Canisteo offices will resume normal lobby hours as of June 15, 2020. Hornell lobby will reopen on Saturdays beginning 6/20/2020. 

In all offices we will still practice safety guidelines including:

• C&N employees & customers to wear face coverings at all times
• 6 feet social distancing from employees and between customers should be followed
• All counters, drive-up canisters and ATMs cleaned frequently
• Hand sanitizer or wipes available for customers and employees
• We continue to encourage our customers to use drive-up and online solutions whenever possible

06/05/2020: Lycoming County moves to Green Phase, Bucks County moves to Yellow Phase. Updated Branch Hours of Operation Beginning 06/08
As Lycoming County moves to Green Phase, lobbies in Lycoming County will be open regular business hours. 

As Bucks County moves to Yellow Phase, lobbies will be open as follows:

• Lobbies open from 9:30 am – 2:30 pm (Monday, Tuesday, Thursday, Friday)
• Lobbies open on Wednesdays from 9:00am – 2:30pm with 9:00am to 10:00am recommended for “high-risk and elderly”
• Doylestown drive up open normal business hours
• Newtown will be by appointment only after 2:30pm
• Saturdays in Doylestown will still be drive up only, lobby closed

 
05/29/2020: Updated Branch Hours of Operation Beginning 06/01

• New York offices: 
  • Hornell & Canisteo offices will be open 
  • Lobby hours from 9:30 am – 2:30 pm 
  • Seniors or high-risk hours will be Wednesdays from 8:30 am - 9:30 am
  • Drive-up available during normal business hours in Hornell
  • Drive-up only on Saturdays in Hornell

 

• Southeast Region (in Red Phase)
  • Bucks County and York County offices will continue operating as is (no changes)

 

• Lycoming County (in Yellow Phase):
  • Weekday hours will remain as is (no updates) 
  • Saturday hours resume for Jersey Shore and South Williamsport beginning on June 6th

 

• All other counties (in Green Phase): Sullivan, Bradford, Tioga, Potter, Cameron, McKean​
  • Lobbies open normal business hours
  • LaPorte and Monroeton to reopen
  • Regular Saturday hours effective June 6

In all offices we will still practice safety guidelines including:

• C&N employees & customers to wear face coverings at all times
• 6 feet social distancing from employees and between customers should be followed
• All counters, drive-up canisters and ATMs cleaned frequently
• Hand sanitizer or wipes available for customers and employees
• We continue to encourage our customers to use drive-up and online solutions whenever possible

 
5/14/2020: Hornell to Reopen Lobby on 5/18
As Steuben County looks to lift some restrictions, C&N's Hornell branch will be open on a limited basis as follows:

• Lobbies will be open from 9:30 am through 2:30 pm
• Drive-up services to maintain normal business hours
• Only one door of entry will be in use at each branch
• C&N employees and customers must wear face coverings at all times
• Special times for High-Risk and Senior customers will be Wednesday mornings from 8:30 - 9:30 am
• 6 feet social distancing from employees and between customers should be followed
• All counters, drive-up canisters and ATMs will be cleaned frequently
• Hand sanitizer will be available for our customers

 
5/7/2020: Lobby Operations Update
As the State government announced it will be lifting some restrictions and has provided guidance for opening in some of the areas we serve, C&N offices in areas moving to the yellow phase will open lobbies as follows:  

Effective May 11th for yellow phase counties of Bradford, Cameron, Lycoming, McKean, Potter, Sullivan & Tioga in PA

• Lobbies will be open from 9:30 am through 2:30 pm
• Drive-up services to maintain normal business hours
• Only one door of entry will be in use at each branch
• C&N employees and customers must wear face coverings at all times
• Special times for High-Risk and Senior customers will be Wednesday mornings from 8:30 - 9:30 am
• 6 feet social distancing from employees and between customers should be followed
• All counters, drive-up canisters and ATMs will be cleaned frequently
• Hand sanitizer will be available for our customers

We continue to encourage our customers to use drive-up and online solutions whenever possible.
 
Location Updates for North-Central PA and NY Regions:

• Canisteo and Laporte will remain closed
• Monroeton will continue to be open on Monday, Wednesdays and Fridays
• Monroeton, South Williamsport, Jersey Shore and Hornell will continue as drive-up only or by-appointment
• Saturdays will be drive-up only until June 6th*
• Elkland, Jersey Shore, Liberty and South Williamsport will remain closed on Saturdays until June 6th
• All other offices will operate per guidelines above

Location Updates for Southeast Region (Bucks County):

• Doylestown will operate via drive-up or by-appointment only
• Newtown will remain by-appointment only

5/6/2020: Communication Surrounding PPP Loan & Forgiveness
Our teams have been fielding many questions from our PPP clients about next steps toward securing loan forgiveness. At this time, the SBA has not provided banks with the specific stipulations needed for businesses to meet forgiveness requirements of these loans.

Please rest assured that we share your sense of urgency for answers. You want to know if your loan will be forgiven and to what extent. We want to provide you with the guidance, reassurance and tools to confidently make that determination on time.

As soon as we receive answers from the SBA, we will communicate them to you. We will share next steps and any action required to move forward. Until then, we’re asking that you remain patient and trust that we will uphold our commitment to take care of you and your business.

4/29/2020: Monroeton Hours Changes
Hours at the Monroteon office will be temporarily changed to the following:

Monday & Wednesday - 8:30 - 1:00; Tuesday & Thursday - Closed; Friday - 8:30 - 3:00

4/17/2020:  Face Coverings Required to Enter C&N Offices
In accordance with Governor Wolf’s recent order, all customers who enter a C&N office will be required to wear a face covering. In addition, employees have been instructed to wear face coverings whenever they are in close proximity of other employees, customer-facing areas or customer-facing items. 

4/16/2020: Paycheck Protection Program No Longer Accepting New Applications
Please note: the SBA has announced that it is no longer accepting new applications for the Paycheck Protection Program. Although not guaranteed, it is anticipated that there will be another round of funding to come. Therefore, we will continue to accept new applications with a commitment to keep you informed as we learn more. If you would like to submit an application, please visit our Paycheck Protection Page and follow the instructions.

4/13/2020: Information regarding COVID-19 Economic Stimulus Relief Payments
Many people will be receiving their Economic Stimulus Relief Payments this week. Here are some important updates to help you understand this payment:
 
Visit IRS.gov for resources such as updating your account, the status of your relief payment, and more. 
A list of FAQs about the Economic Stimulus Relief Payments can be found on the CFPB website here
Please check to make sure your account is open and in good standing.
You can check to see if your payment is pending by logging into your C&N Online Banking and going to Payments & Transfers > Pending Transactions.
Pending Transactions

4/10/2020: Office Hour Changes to Liberty, Elkland and Knoxville
Please be advised of the changes to hours in the following offices: 

Liberty: Weekdays hours will remain the same. Saturdays will be closed.

Elkland: Weekday hours will remain the same. Saturdays will be closed.

Knoxville: Weekday hours will remain the same. Saturday hours will be 8:30 - 12:00. 

4/6/2020: C&N Facilitates Over $20 Million in COVID-19 Relief. 
Since Friday, April 3, C&N received SBA approval on loans for 79 local small business customers for a total amount of over $20 million. Read the press release here.

3/24/2020: Relief Programs Available to Customers Impacted by COVID-19

If you are experiencing financial hardship, first and foremost, we encourage you to connect with your relationship manager directly, call us at 1.877.838.2517 or contact us. In addition, C&N is offering specific solutions designed to address the financial burden facing many of our customers at this time. Special, limited-time relief programs available to customers impacted by COVID-19 include: 

• Loan payment assistance for mortgages and consumer loans include:
  • 90-day interest-only payment options
  • 90-day payment deferral options
  • Temporary suspension of new foreclosures and new repossessions for customers impacted by COVID-19
• Assistance to cover necessities and living expenses: unsecured personal loan up to $7,500 for 36 months at 2.99% APR (subject to credit approval)
• Commercial & small business assistance: 
  • 90-day interest-only payment options 
  • Payment deferral options
  • Lines of credit for working capital necessary to sustain business during this crisis 
  • C&N is working with clients to participate in government lending programs that may provide disaster relief assistance, including those developed by the Small Business Administration (SBA)
• Consumer Banking: 
  • ATM inquiry fees charged by C&N will be waived for C&N customers through May 31, 2020
  • Mobile Deposit fees will be waived through May 31, 2020
  • Phone transfer fees will be waived through May 31, 2020

We are delivering service through drive-up windows, ATMs, our Client Care Center and telephone and Digital Banking solutions. To visit a C&N office in person, customers are asked to call ahead to schedule an appointment. This will help manage and control the number of people in close contact with one another at any given time.

3/20/2020: Effective Monday, March 23, lobby access in ALL C&N locations will be restricted to appointment only. 

• Drive-up service will continue to be open in 22 C&N offices.
• To find an office with a drive-up near you, visit our locations finder. 
• For circumstances requiring branch access (i.e. loan inquiry or closing, wealth or tax consultation, safe deposit box or other special circumstances), you are encouraged to call your C&N relationship manager at their direct line or our Client Care Center at 877.838.2517 to schedule an appointment.
• We highly encourage our customers to us alternative banking methods such as Online Banking and Mobile Deposit during this time. 
• The Laporte office will be closed until further notice
• The Canisteo office will be closed until further notice
• The South Williamsport office will be closed on Saturdays beginning March 28 until further notice

Rest assured, these temporary adjustments are being made out of an abundance of caution and are being put in place as a preventative measure to decrease the number of people interacting in our branch offices and to create greater social distance between our staff and customers, as recommended by the Federal Coronavirus Task Force and Centers for Disease Control (CDC).
 

3/15/2020: Limited Branch Operations
Effective Monday, March 16, C&N will be limiting branch operations to drive-up service only until further notice.

• Drive-up service will operate with regular banking hours.
• Walk-in/Lobby service will be restricted to appointment-only.
• Walk-in/Lobby service will remain available as normal in those locations without a drive-up.
• Visit C&N’s location finder tool for a comprehensive list of our offices and drive-up services.
• For circumstances requiring branch access (i.e. loan inquiry or closing, wealth or tax consultation, safe deposit box or other special /circumstances), you are encouraged to call your C&N relationship manager at their direct line or our Client Care Center at 877.838.2517 to /schedule an appointment.