Merger Information
We are very excited about the combination of Northumberland Bancorp and Mifflinburg Bancorp, Inc., establishing Steele Bancorp, Inc., and Central Penn Bank & Trust. This opportunity allows us to extend services in our communities; however, we know that change can bring questions and concerns.
Please refer to this page for ongoing updates, as we will release information as it becomes available.
If you have any concerns, please call us at 888-877-6623.
Merger FAQs
Will I need new checks?
You may continue to use your existing checks until your current supply is depleted. When you re-order through the bank, the new bank name, Central Penn Bank & Trust, will be printed on your checks. If you order checks from a non-bank supplier, please notify your vendor of the bank name change.
Has my account number(s) or routing number changed?
At this time, your account number(s) have not changed, nor has the routing number changed.
Do I need to get a new ATM or Debit card?
Your current ATM or debit card will continue to work until it expires or is reissued. Your PIN has not changed.
Will I be able to bank at any Mifflinburg Bank & Trust or The Northumberland National Bank location?
Upon the completion of the merger, you will be able to bank at any Central Penn Bank & Trust location.
Has anything related to my deposit accounts changed?
Certain deposit accounts will have updated terms and fees effective August 1, 2025. Customers affected by these changes were mailed an updated Truth in Savings Disclosure and/or Fee Schedule at the beginning of July 2025.
These documents provide details about the new terms and any fee changes. We encourage you to review them carefully. If you have questions or would like assistance reviewing your account options, please speak with one of our Customer Service Representatives during regular business hours or call us at 888-877-6623.
Have my Direct Deposits or Automatic Payments been impacted?
At this time, there is no change you need to make with your direct deposits and/or automatic payments.
What happens to my loans?
There are no changes to the terms and payments of your loan. Please continue to make payments in the same manner you have been doing and contact your lender with any additional questions.
What happens to my CDs?
There are no changes to your Certificate of Deposits (CDs) at this time. At the next maturity date, some CDs may have a change in the interest and terms. A special merger rule does exist for CDs relative to FDIC insurance.
Are there changes to my online or mobile banking?
Your online and mobile banking credentials will remain unchanged, and re-enrollment will not be necessary. Following the completion of the merger, please visit the new Central Penn Bank & Trust website and select the appropriate link to access your account. We encourage you to check the website regularly for updates and direct access to login pages.
What happens to my safe deposit box?
There has been no change to your Safe Deposit Box; however, the annual rental fee may change at the time of renewal.
Will my deposits still be FDIC-insured if I have deposits at both banks?
At the closing of the merger, your deposits (depending on how they are titled) will be insured up to at least $250,000, as we will operate as a single institution moving forward. Changing the titling on your accounts may increase the insurance on your deposits. Discuss your options with one of our customer service representatives at your convenience.
For more information on FDIC insurance and to calculate ways to maximize your coverage at one financial institution, visit https://edie.fdic.gov/calculator.html.
A printable version of these FAQs can be downloaded here.