The Advantage Checking plan provides traditional banking with a personal touch.
It's fast, easy and secure.
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Key Benefits
- Checking account with interest
- Unlimited check writing
- Canceled check images returned
- Non-CNB ATM surcharge rebates
- Chexmate overdraft protection*
- No monthly fee Money Market account
- Free investment consultation
- Complimentary safe deposit box
| What you get with an Advantage Checking Account from CNB? |
| Monthly Maintenance Fees |
With Check Image Safekeeping or Check Images Returned: $12
Minimum daily balance requirement to earn interest to obtain disclosed annual percentage yield: $1,000
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| Minimum Balance Requirement |
With Check Image Safekeeping or Check Images Returned: $12
With Minimum Average Daily Balance in Combined Deposit Accounts of $3,500: $0
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| Companion Savings Account |
Companion Savings Account or Advantage Money Market Account with no monthly maintenance fee available.
Companion Savings Details
Advantage Money Market Details
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| Check Orders |
All orders of custom CNB checks are free. Equal credit may be applied toward alternate style of your choice. Cost of check printing varies depending on the style of check ordered. |
| Check Imaging |
Free online images of the front and back of all checks cleared during the statement period.
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| Online Banking |
Available free |
| CNBillPay® |
Pay your bills online with no monthly service or transaction fees.
CNBillPay® Details
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| Overdraft Protection |
A ChexMate overdraft protection line of credit is available with this account, subject to credit approval.
ChexMate Overdraft Details*
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| Debit/ATM Card |
Free ATM or MasterMoney debit card (subject to approval).
ATM/Debit Card Details
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| Automatic Teller Machine (ATM) Access |
Use of CNB ATMs is free.
A terminal usage fee may be imposed by other financial institutions when a non-bank customer uses their ATM.
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| Loan Discount |
Consumer loan discount of .25% with electronic payment from CNB Checking Account. Loan discounts limited to one discount per loan. |
| CNB Insurance Agency Discount |
Receive up to 15% discount on Property/Casualty insurance from CNB Insurance Agency with electronic premium payment from your Advantage checking account. |
| Additional Banking Services |
Complimentary small safe deposit box (1 year or equivalent value toward an upgrade).
No fee Bank and Personal Money Orders.
No fee Traveler's Checks.
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*Subject to credit approval.
CNB Personal Checking Account Options
Additional Account Information & Terms
CNB Insurance Agency is a wholly owned subsidiary of The Canandaigua National Bank and Trust Company. Products offered through CNB Insurance Agency are not deposits or obligations of, or guaranteed, or endorsed by, The Canandaigua National Bank and Trust Company. These products are not federally insured by the Federal Deposit Insurance Corporation or the Federal Reserve Board. Insurance Companies offering products through CNB Insurance Agency are independent of and not affiliated with The Canandaigua National Bank and Trust Company or CNB Insurance Agency.