Man using computer

Personal Checking





Freedom Checking Money Market Checking Advantage 55 CNB Gold
Free Debit Card
Free Mobile & Online Banking
Free Mobile Deposit
CardValet
Overdraft Privilege Available¹
Free E-Statements
Unlimited Check Writing
50% Discount on Custom Checks

Free Monthly Paper Statement w/ Images

Jumbo Rate on all CD's


Free Cashiers Checks²


Identity Restoration Optional³ Optional³ Optional³
AD&D Insurance Optional³ Optional³ Optional³
Online Bill Pay Optional³ Optional³ Optional³ Optional³
Minimum Deposit $100 $2,500 $100 $100
Monthly Fee $0 with E-Statements $0 if balance is kept above $2,500 $0 $9.65

Open Account Online Open Account Online Open Account Online Open Account Online
1. Overdraft Privilege is upon approval.
2. Limited to 3 free cashiers checks per month.
3. Optional:
    • $4.35 monthly unlimited online bill pay. Bill Pay for the CNB Gold account is at a discounted rate of $2.95.
    • $3.50 monthly for AD&D Insurance - Up to $30,000
    • $2.50 monthly for Identity Restoration



CNB Gold


For check writers who appreciate added value.

For new customers, our Step by Step Guide will lead you through the switch from your current institution.
  • $100 Initial Minimum Deposit
  • Unlimited Check Writing
  • Free Internet Banking/Mobile Banking
  • Free telephone account information
  • Free transactions at CNB ATMs
  • Free ATM/VISA Check Card (upon approval)
  • Overdraft Privilege Consideration - $600 upon approval * 
  • Free personalized club checks - One box of checks per order. Duplicate style NOT included
  • 50% discount on custom checks
  • Free Monthly Paper Statement with images
  • Monthly e-Statement with images upon request
  • $2.95 monthly unlimited online bill pay
  • AD&D Insurance - Up to $30,000
  • Identity Restoration 
  • Jumbo Rate on all CDs - upon request at maturity
  • Free cashiers checks - 3 per month
  • $9.65 monthly fee
  • Does not pay interest


Advantage 55


A special account for those 55 and over
For new customers, our Step by Step Guide will lead you through the switch from your current institution.
  • $100 Initial Minimum Deposit
  • Unlimited Check Writing
  • Free Internet Banking/Mobile Banking
  • Free telephone account information
  • Free transactions at CNB ATMs
  • Free ATM/VISA Check Card (upon approval)
  • Overdraft Privilege Consideration - $600 upon approval *
  • Free personalized club checks - One box of checks per order. Duplicate style NOT included
  • 50% discount on custom checks
  • OPTIONAL:
    • $4.35 monthly unlimited online bill pay
    • $3.50 monthly for AD&D Insurance - Up to $30,000
    • $2.50 monthly for Identity Restoration
  • Monthly e-Statement with images upon request
  • Free Monthly Paper Statement with images


Freedom Checking


A simplified account with e-statement
For new customers, our Step by Step Guide will lead you through the switch from your current institution.
  • $100 Initial Minimum Deposit
  • Unlimited Check Writing
  • Free Internet Banking/Mobile Banking
  • Free telephone account information
  • Free transactions at CNB ATMs
  • Free ATM/VISA Check Card (upon approval)
  • Overdraft Privilege Consideration - $300 upon approval *
  • OPTIONAL:
    • $4.35 monthly unlimited online bill pay
    • $3.50 monthly for AD&D Insurance - Up to $30,000
    • $2.50 monthly for Identity Restoration
    • $3.75 monthly for Paper Statement with images
  • Free w/monthly e-Statement with images


Money Market Checking


Earns competitive interest, plus basic checking benefits
For new customers, our Step by Step Guide will lead you through the switch from your current institution.
  • $2,500 Initial Minimum Deposit
  • Unlimited Check Writing
  • Free Internet Banking/Mobile Banking
  • Free telephone account information
  • Free transactions at CNB ATMs
  • Free ATM/VISA Check Card (upon approval)
  • Overdraft Privilege Consideration - $1,000 upon approval *
  • OPTIONAL:
    • $4.35 monthly unlimited online bill pay
    • $3.50 monthly for AD&D Insurance - Up to $30,000
    • $2.50 monthly for Identity Restoration
  • Monthly e-Statement with images upon request
  • Free Monthly Paper Statement with images
  • $12.00 monthly fee if balance falls below $2,500 any time during a monthly statement cycle
  • Pays interest (No interest is earned for days that the balance falls below $2,500 during a monthly statement cycle)
*A maximum limit of up to $600 will be applied to accounts with ODP. A limit of up to 5 overdraft charges may be incurred on any given day, up to 25 charges per month. Any overdraft not paid by 2pm of the banking day in which the overdraft occurred will be charged a fee.
 
 
Transaction Amount OD Charge
$25 and greater $26
Between $24.99 to $5 $8
$4.99 and less No Charge

ODP will cover any item created by check, in-person withdrawal, ATM withdrawal, or other electronic means. Whether your overdrafts will be paid is discretionary and we reserve the right not to pay. For example, we may not pay overdrafts if your account is not in good standing, or you are not making regular deposits, or you have too many overdrafts
 
All items processed by CNB are done by tran code order: Deposits, ATM/POS, in person withdrawals, personal checks in check number order, ACH, electronic items, Internet banking and telephone banking. Items are processed smallest to largest amount within the tran code order, except for checks which are processed in check number order.

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