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Personal Checking

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At CNB, it's all about building, growing, and keeping relationships. For us, each customer relationship is an extension of our CNB Family.

It's fast, easy and secure.

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CNB Personal Checking:
  • Free Online Banking
  • Free Online BillPay
  • Check Imaging
  • Chexmate Overdraft Protection*
  • Debit/ATM Card

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.

Optimum Checking Account

  • Dedicated Personal Banker
  • Preferred Rates
  • Non-CNB ATM surcharge rebate
  • Free ID Theft Protection Services
  • Discount Travel Services
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Advantage Checking Account

  • Checking with interest
  • Non-CNB ATM surcharge rebate 
  • No Monthly Fee Money Market Account
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e-ssentials Checking Account

  • Non-CNB ATM surcharge rebate
  • Free ID Theft Protection Services
  • Discount Travel Services
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Traditional Checking Account

  • No Monthly Maintenance Fee for 55 years and over and 21 years and younger
  • Unlimited check writing
  • No Fee Transactions at CNB ATMs
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Traditional Plus Checking Account

  • Checking with interest
  • Unlimited check writing
  • No Fee Transactions at CNB ATMs
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* Subject to credit approval