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ATM/Debit Card/Rewards Program

Canandaigua National Bank & Trust offers a variety of card programs for your convenience.

Available with All CNB personal checking accounts, the CNB Mastercard® Debit Card offers enhanced Mastercard® benefits and a two distinctive rewards programs to choose from.

Our contactless debit cards allow you to pay in seconds with a single tap! You can also insert, swipe, or pay online.

Your CNB Mastercard® Debit Card is also protected by EnFactSM –a Fraud Detection Program that monitors debit card and ATM transactions for potentially fraudulent activity. 

 Need cash? Our extensive ATM network offers easy access to cash with no transaction fees.

Debit Rewards Programs and Benefits:

  • CNB Mastercard® Debit Card with CNBankerREWARDS - Earn points with everyday purchases,
  • CNB My Rewards® Gold Card - Higher points earned with purchases and bonus rewards.

CNB Contactless Debit Card with CNBankerREWARDS

  • Earn Points on Everyday Purchases -  1 point per $100 spent2
  • Cash back when shopping online through - Average of 2.5% Cash Back3
  • Bonus Points for Online Purchases through - Average of 25 Points per $1003

CNB My Rewards® Gold Contactless Debit Card

  • Earn Points on Everyday Purchases - 2 times the Points2
  • Cash back when shopping online through - Average of 3.5% Cash Back3
  • Bonus Points for Online Purchases through - Average of 35 Points per $1003
  • Expedited Card Replacement Upon Request – No Charge
  • Emergency Roadside Assistance - 1 event annually
  • Cell Phone Protection - 2 claims annually4  
  • Cyber ID monitoring 
  • VIP Customer Service
  • Local Discounts & Coupons3
  • Prescription Savings 
  • Extended Warranty
  • Hotel & Car Rental Discounts
  • Travel Accident Insurance5
  • Free My Rewards® App (for iPad®, iPhone® and Android™ Devices6)

Visit for details and benefit-related support
Customer Service available at (585) 412-4111


Try FREE for 90 days1
Use Promo Code: 90FREECNB 


As a CNB ATM Card holder, your card provides convenient and secure access to cash withdrawals
and balance inquiries at an ATM.  Not eligible for online or merchant Point of Sale transactions.



1 After the 90 day no fee trial period, a monthly fee per cardholder of $9.95 for Gold will be charged to your account. If you choose to cancel your membership, a new enhanced Debit Mastercard will be ordered and issued to you with a new account number and your current card will be closed. 
2 For CNB Debit Card purchases, points are awarded for every $100 spent with a signature or a PIN transaction. ATM transactions do not apply. Points awarded in relation to dollars spent subject to change without notice. Rewards in program valued from 100 to 100,000 points. Rewards subject to change without notice and program may be terminated at any time. Rewards issued after January 1, 2022 will expire after 5 years. Rewards issued prior to January 1, 2022 will continue to expire after 2 years. Points awarded per checking account; when multiple debit cards exist on one account, points are pooled. 
3 Cash Back, Bonus Point amounts, Program discounts and coupon values vary in the sole discretion of the applicable participating retailer or service provider.
4 Up to $500 per claim with $50 deductible per claim made. Provides coverage only for damage rendering the device no longer able to perform the function for which the device is intended (i.e., damage causing a phone not to be able to make and receive calls, etc.)
5 Up to $100,000 against accidental loss of life, limb, sight, speech or hearing
6 iPhone and iPad are trademarks of Apple Inc., registered in the U.S. and other countries. Android is a Trademark of Google Inc.

See for specific program terms and conditions. CNBankerREWARDS are delivered by My Rewards, LLC © 2021 Velocity Solutions, Inc. All rights reserved.