*Subject to approval.
**Subject to credit approval
1Specific 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.
3Our 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.