Compare Checking Accounts

Personal Checking Comparison Chart
	Traditional	Traditional Plus	e-ssentials (3)	Advantage	Optimum
Benefits			Anytime. Anywhere.	Personal Banking at its best.	Maximize your money.
Checking with Interest
Dedicated Personal Banker
ATM Terminal Usage Fee Rebate			Up to 2/month ($4 value)		Up to 4/month ($8 value)
No Transaction Fee at Non-CNB ATMs
No Fee Transactions at CNB ATMs
Unlimited Check Writing
No Monthly Fee Money Market Account
No Monthly Fee Savings Account
Optimum Sweep Feature
Chexmate Overdraft Protection**
Free CNBillPay® Services
Free Access to CNBanker Voice & Online Banking
$150 Mortgage Credit at Closing2
No Monthly Fee With	Minimum balance of $500	Minimum balance of $1,000	Direct deposit and (3) electronic debits	Combined deposit balances	Combined deposit and loan or investment relationship
No Monthly Fee if You  are Under 22 or 55 and Older
Preferred CD and Money Market Rates
CNB Insurance Agency Property/ Casualty Discounts with Electronic Premium Payment4			5%	Up to 15%	Up to 15%
Free ATM Card or MasterMoney™ Debit Card*
Consumer loan discount with electronic payment from CNB checking account1			.25%	.25%	.50%
Canceled Check Images Returned
Check Image Safekeeping
No Fee Traveler's Checks, Bank and Personal Money Orders
Complimentary Small Safe Deposit Box (1 yr) or Equivalent Value Toward an Upgrade
Free CNB Custom Checks or Equal Value Toward Style of Your Choice
Airline, Auto Rental & Hotel Discounts
Identity Theft Protection Services

*Subject to approval.

**Subject to credit approval. 

¹ Specific account terms.

Traditional. A monthly fee will be charged on every statement date if the average daily balance in this account for the statement period falls below $500. With check image safekeeping $6. With check image return $8. Customers 55 years and older or 21 years and younger $0.

Traditional Plus. A monthly fee will be charged on every statement date if the average daily balance in this account for the statement period falls below $1,000. With check image safekeeping $6. With check image return $8

e-ssentials. A monthly fee will be charged on every statement date in accordance with the following: Direct deposit AND (3) direct debits monthly - $0, direct deposit OR (3) direct debits monthly - $3, check image safekeeping - $6. For each check over 15 processed monthly, there will be a per check charge of $.50.

Advantage. A monthly fee of $12 will be charged on every statement date if the average daily balance in combined deposit accounts (Checking, Savings, Money Market) for the statement period falls below $3,500.

Optimum. A monthly fee will be charged on every statement date if the combined balance in CNB accounts for the statement period falls below $20,000. The combined balance for the Optimum account is: the average daily balance in Checking, Savings, Money Market, Certificates of Deposit, Basic Business Checking; and the outstanding balance for auto loans, personal loans, and home equity loans or lines of credit; OR a relationship of $20,000 in qualified trust and/or non-FDIC insured accounts.

The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period.

Loan discounts limited to one discount per loan, maximum .50% 

² Consumer mortgages only. 

³ Our e-ssentials plan with direct deposit meets the NYS Basic Banking Account requirements for our communities. 

⁴ CNB Insurance Agency is a wholly owned subsidiary of The Canandaigua National Bank & Trust Company. Products offered through CNB Insurance Agency are not deposits or obligations of, or guaranteed or endorsed by The Canandaigua National Bank & 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 & Trust Company or CNB Insurance Agency.