CNB Optimum Checking:
- Dedicated Personal Bankers
- Preferred rates
- Non-CNB ATM surcharge rebates
- Chexmate overdraft protection*
- Free companion savings account
- Free online bill payment services
- Free online check images
- Identity Theft Protection
- Discount Travel Services
Want to make the most of your banking relationship? As the Rochester, NY region's only local, full-service community bank, we've grown by offering competitive banking options and the kind of personalized service that builds long-lasting relationships.
With the Optimum Checking Plan, you can receive preferred rates, bank online or a the branch, and have a dedicated personal banker available to assist you with all of your financial needs. With our Optimum Sweep feature, you have all the tools you need to manage your assets, effectively consolidating your banking and investing services into one relationship.
As an Optimum accountholder, you'll receive special benefits like membership in our Optimum Club. Members of the Club are provided a variety of social and travel events.
| What you get with Optimum Checking from CNB |
Monthly
Maintenance Fees |
With Check Image Safekeeping or Check Images Returned: $15
With Minimum Average Daily Balance in Combined Deposit/Loan Accounts of $20,000 or Other Investment Relationship: $0
|
Monthly Check
Writing Fees |
$0
|
| Companion Savings Account |
Companion Savings Account with no monthly maintenance fee available.
Companion Savings Details
|
| Check Orders |
All orders of custom CNB checks are FREE. Equal credit may be applied toward alternate style of your choice. |
| Check Imaging |
Free online images of the front and back of all checks cleared during the statement period.
|
| Online Banking |
Available free |
| CNBillPay® |
Pay your bills online with no monthly service or transaction fees.
CNBillPay® Details
|
| Overdraft Protection |
A ChexMate overdraft protection line of credit is available with this account.
ChexMate Overdraft Details*
|
| Debit/ATM Card |
Free ATM or MasterMoney debit card (subject to approval).
ATM/Debit Card Details
|
| Automatic Teller Machine (ATM) Access and Rebates |
Use of CNB ATMs is free.
For non-CNB ATM transactions, up to four (4) terminal usage fees will be credited to your checking account per month with a value of $2.00 per use (a maximum value of $8.00 per month).
|
| Loan Discount |
Consumer loan discount of .50% with electronic payment from CNB Optimum Checking Account. Loan discounts limited to one discount per loan.
Consumer Mortgage credit of $150 at closing for first-lien position on accountholder's primary residence. Limit one per life of loan.
|
| Travel Benefits |
Discount travel services available.
Travel Discounts Details
ACTIVATE membership
|
Identity Theft Protection Services
|
Identity Theft Center-
- Set Fraud Alerts
- Order & Monitor Credit Reports
- Reduce Junk Mail
- Organize and Secure Personal Information
- Activate Restorative Services
Sign-up here -
Identity Protection & Restoration Services
|
*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.