All posts by Leonard Kreicas

Citizens and Northern Bank

Citizens Northern Bank credit cards

Citizens and Northern Bank credit cards offers applicants two choices:

C&N Visa® Lifetime Card

Lower interest rates
APR start at 10.49% for excellent credit scores with an initial maximum of 17.49% based on creditworthiness. Rates may vary depending on prime rates.

No Annual Fee

At the present time there aren’t any no promotional APR offers.

C&N Visa® Lifetime Rewards Card

1% reward points on eligible purchases
APR start at 12.49% for excellent credit scores with an initial maximum of 19.49% based on creditworthiness. Rates may vary depending on prime rates.

No Annual Fee

At the present time there aren’t any no promotional APR offers.

Features & Benefits

  • Zero fraud liability on unauthorized activity
  • EMV smart chip technology for added security
  • Mobile purchasing capability
  • Free checking accounts available with no monthly fees
  • 25 day grace period gives ample time in case of buyer’s remorse
  • Make payments automatically to never miss a payment

Atlantic Stewardship Bank Visa

Signature Visa Card from Atlantic Stewardship BankAtlantic Stewardship Bank has merged with New Jersey’s Columbia Bank.

The Atlantic Stewardship Bank Visa Signature Card is no longer available.

Information below is for archival purposes only.


So instead of worrying about coming up with all the cash right away, spread your holiday purchases payments over the next six billing cycles for free.

Also by putting all your gift items on one card it makes keeping count of “who got what” very easy for you.

In addition to the instant $25 statement credit, you will get 1% back to spend on yourself for every dollar you spent on your friends and family.

As part of Visa Signature package, just in case the gift is be defective, the warranty protection for the product is twice as long.


The Atlantic Stewardship Bank approach to banking is unique: ten percent of its profits are shared with non-profit Christian organizations.

The original founders of the Bank were so deeply committed to this concept, that the Tithing Program was built into the corporate-by-laws.

The non-profit organizations receiving a portion of the banks earnings include missions, schools, and healthcare facilities.

The bank also offers strong support to civic groups located where the bank maintains its branches.