You > Checking

Compare Checking Accounts

What makes CNB Checking different? Our checking accounts deliver today's banking conveniences: Online Banking, CNBillPay, Mobile Deposit, Mobile App, Text Banking, CNBanker® Voice and more. In addition to our online and mobile banking solutions, we remain focused on personal service with extended banking hours - including Saturday and Sunday at select locations - and an extensive ATM network throughout the Greater Rochester Area.

Checking Options

Key Feature Maximize your money. Anytime. Anywhere. Easy, convenient, and reliable.
No monthly maintenance fee with(1) Freddie Mac Mortgage minimum outstanding balance; OR combined deposit and loan or investment relationship direct deposit AND e-statements minimum daily balance of $500; OR age 55 and older or 21 and younger
No transaction fees at CNB ATMs
No transaction fees at Non-CNB ATMs -
Rebate of terminal usage fees incurred at Non-CNB ATMs Up to 4/month ($10 value) Up to 2/month ($5 value) -
Unlimited check writing -
Check Image Safekeeping -
Consumer Loan discount(1) with recurring automatic loan payment from a CNB personal checking account 0.50% 0.25% 0.25%
One Companion Savings Account with no monthly maintenance fee -
One Money Market Account with no monthly maintenance fee - -
Optimum Sweep Feature - -
$150 mortgage credit at closing(2) - -
Checking with interest - -
Preferred CD and Money Market rates - -
Free CNB custom checks or equal value toward style of your choice - -
Complimentary small safe deposit (1 year) or equivalent value toward an upgrade - -
No fee bank and personal money orders - -
Optimum Club Membership - -
Financial Advisors(3) Available - -
No fee Targeted Financial(3) Plans - -
Meets NYS Banking Account requirements(†) - -
Available for all CNB Checking Accounts      
Chexmate Overdraft Protection*
ATM/Debit Card**
Courtesy Limit
Online Banking
Mobile Banking App
Manage My Debit Card
CNBanker® Voice

*Subject to credit approval.

**Subject to approval.

(1) Specific account terms. Traditional. A monthly maintenance fee will be imposed on every statement date if the minimum daily balance in the account for the statement period falls below $500. With check image safekeeping $8. With check images returned $10. Tax owner of account 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 e-statement - $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 imposed on every statement date if the following balance requirements are 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 Management, or a Canandaigua National Trust of Florida, or other eligible investment account relationship.

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.

Minimum daily balance is the principal in the account for each day of the period. 

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 .50% with recurring automatic loan payment from a CNB personal Optimum Checking Account; Consumer loan discount of .25% with recurring automatic loan payment from a CNB personal checking account. Loan discount is based on the qualified personal checking account where the account holder has either a Tax Owner or Non-Tax Owner relationship and is a borrower/co-signer/guarantor on the applicable loan. Discount does not apply to Savings Account or CD Secured Loans, Airplane Loans, Time Notes, Chexmate Overdraft Lines of Credit, Wealth Lines of Credit or loans originated by the CNB Mortgage Company. Loan discounts limited to one discount per loan and will be applied at the time the recurring automatic loan payment is established and will be based on the account type from which it is drawn. The Loan discounts will not be modified after original discount is applied, with the exception of adjustable-rate products.

(2) Consumer mortgages only with CNB Mortgage Company.  Must be first lien position mortgage on the accountholder's primary residence.

(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.