*This promotional offer is valid only when an applicable offer code is presented by the customer at the time of the new Optimum or essentials checking account opening. To be eligible to receive the following bonus, a direct deposit and one (1) processed debit card purchase from the new account’s CNB Debit MasterCard must be received within 120 days from the date of account origination. If these eligibility requirements are satisfied, a Rewards Certificate will be mailed to the address of the tax owner of the Checking Account within 60 days of meeting the eligibility requirements. The Rewards Certificate has no cash value and cannot be combined with any other offers. The bonus is not available to accounts opened that are not associated with an offer code, where the promotional criteria is not met, or accounts that result from the conversion of any existing CNB checking account. Accountholder assumes tax reporting responsibility. See CNBankerREWARDS.com for specific program terms and conditions. CNBankerREWARDS are delivered by Velocity Solutions. © 2018 Velocity Solutions, Inc. All rights reserved.

**Subject to credit approval.

***Subject to approval.

(1) Specific account terms. Traditional. A monthly maintenance fee will be charged on every statement date if the minimum daily balance in this account falls below $500. With check image safekeeping $8. With check image return $10. Customers 55 years and older or 21 years and younger $0.

e-ssentials. A monthly maintenance fee will be charged on every statement date in accordance with the following: with direct deposit AND e-statement - $0, with direct deposit OR e-statement - $3, no direct deposit or estatement - $8. For each check over 15 processed monthly, there will be a per check charge of $.50.

Optimum. A monthly maintenance fee of $21.50 will be charged on every statement date if the following balance requirement is not met. A minimum outstanding Freddie Mac Mortgage balance of $150,000, or a minimum combined balance in CNB accounts for the statement period of $20,000. The combined balance for the Optimum Account is the average daily balance in Checking, Savings, Money Market, Certificates of Deposit, and Basic Business Checking; and the outstanding balance for auto loans , CNB in-house mortgage loans, personal loans , home equity loans or lines of credit, a Wealth Strategies Group or a Genesee Valley Trust relationship, or a qualified Online Brokerage Services (OBS) account.

Balances will be combined based on the Tax Owner for the Optimum Account and any qualified, related account(s) in which they are either a Tax Owner or Non-Tax Owner on the other account(s).

Minimum daily balance-the minimum balance threshold required at all times. 

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.

Consumer loan discount of .25% with electronic payment from a CNB checking account. An additional loan discount of .25% with a CNB Optimum Checking Account. Maximum loan discount with Optimum Checking Account and electronic payment is .50%. Loan discounts limited to one discount per loan.

(2) Consumer mortgages only.

(3) Investments are not bank deposits, are not obligations of, or guaranteed by Canandaigua National Bank & Trust, and are not FDIC insured. Investments are subject to investment risks, including possible loss of principal amount invested.

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

DEPOSIT PRODUCTS - MEMBER FDIC