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You > Checking

Compare Checking Accounts

All CNB Checking Accounts Include:
  • ATM/Debit Card**
  • Online Banking
  • CNBillPay
  • e-statements
  • CNBudget Central
  • Mobile Banking
  • CNBanker Voice
  • Check Image Safekeeping
  • Chexmate Overdraft Protection*
  • No transaction fees
    at CNB ATMs
 

It's fast, easy and secure.

Comparison of CNB Checking Accounts
Feature
Key Feature
Easy, convenient,
and reliable.
Anytime.
Anywhere.
Maximize
your money.
No monthly maintenance fee with (1)

 average daily balance
 of $500; OR 
age 55 and older or
21 and younger

direct deposit AND
e-statements&
Freddie Mac Mortgage minimum balance; OR combined deposit and loan or investment relationship 
No transaction fees at Non-CNB ATMs No Yes Yes
Rebate of terminal usage fees incurred at Non-CNB ATMs No Up to 2/month
($5 value)
Up to 4/month
($10 value)
Unlimited check writing Yes No Yes
Consumer Loan discount with electronic payment from CNB checking account (1) 0.25% 0.25% 0.50%
One Companion Savings Account with no monthly maintenance fee No Yes Yes
One Money Market Account with no monthly maintenance fee No No  Yes
Optimum Sweep Feature No No Yes
$150 mortgage credit at closing (2) No No Yes
Checking with interest No No Yes
Preferred CD and Money Market rates No No Yes
Free CNB custom checks or equal value toward style of your choice No No Yes
Complimentary small safe deposit (1 year) or equivalent value toward an upgrade No No Yes
No fee bank and personal money orders No No Yes
Optimum Club Membership No No Yes
Dedicated Personal Banker (3) No No Yes
No fee Targeted Financial Plans (3) No No Yes

*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 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.

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 $18.50 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).

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) Investment Advisory Services are offered through OBS Financial Services, Inc., a Registered Investment Advisor with the SEC. 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.

*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 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.

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 $18.50 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).

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) Investment Advisory Services are offered through OBS Financial Services, Inc., a Registered Investment Advisor with the SEC. 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.