You Can Open an Account 2 Ways:
1. Online by clicking "Open Online"
2. At any CNB Bank Office
All CNB Checking Accounts Include:
- ATM/Debit Card**
- Online Banking
- Mobile Banking
- CNBanker Voice
- Check Image Safekeeping
*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)Representatives are registered, securities are sold, and offered through OBS Brokerage Services, Inc., member FINRA/SIPC, a registered broker/dealer. Non deposit investment products are not FDIC insured, involve investment risk, including possible risk of principal amount invested, and are not deposits or other obligations of or guaranteed by Canandaigua National Bank & Trust.
(†) Our e-ssentials plan with direct deposit meets the NYS Basic Banking Account requirements for our communities.