Citizens & Northern Corporation is the bank holding company for Citizens & Northern Bank, offering banking and related services to individual and corporate customers. Its deposit products include checking accounts, passbook and statement savings, money market accounts, interest checking, individual retirement accounts, and certificates of deposit, along with debit cards. Lending products include commercial, mortgage, and consumer loans, as well as commercial letters-of-credit and lines of credit. The company also provides wealth management services such as 401(k) plans, retirement planning, estate planning and settlements, and asset management; insurance products to individuals and businesses through a broker-dealer arrangement; and mutual funds, annuities, educational savings accounts, and other investment products through registered agents, and it reinsures credit and mortgage life and accident and health insurance. It operates in Northcentral Pennsylvania, the Southern tier of New York State, Southeastern Pennsylvania, and Southcentral Pennsylvania. Founded in 1864, Citizens & Northern Corporation is headquartered in Wellsboro, Pennsylvania.