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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

You Can Open an Account 2 Ways:

  1. Open Online
  2. At any CNB Bank Office
Easy, convenient,
and reliable.

e-ssentials (†) 

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    Checkmark - Red Checkmark - Red
Rebate of terminal usage fees incurred at Non-CNB ATMs    Up to 2/month
($5 value)
 Up to 4/month
($10 value)
Unlimited check writing Checkmark - Red   Checkmark - Red
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   Checkmark - Red Checkmark - Red
One Money Market Account with no monthly maintenance fee      Checkmark - Red
Optimum Sweep Feature      Checkmark - Red
$150 mortgage credit at closing (2)      Checkmark - Red
Checking with interest     Checkmark - Red
Preferred CD and Money Market rates      Checkmark - Red
Free CNB custom checks or equal value toward style of your choice      Checkmark - Red
Complimentary small safe deposit (1 year) or equivalent value toward an upgrade     Checkmark - Red
No fee bank and personal money orders     Checkmark - Red
Optimum Club Membership     Checkmark - Red
Dedicated Personal Banker(3)     Checkmark - Red
No fee Targeted Financial Plans(3)        Checkmark - Red

*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)Securities are offered through, and advisors are registered with Cetera Investment Services LLC, member FINRA/SIPC. Advisory Services are offered through OBS Financial Services, Inc. Cetera Investment Services LLC is independent of OBS Financial Services, Inc. and Canandaigua National Bank & Trust. Securities are: *Not FDIC Insured *Not Bank Guaranteed *May Lose Value *Not a Bank Deposit *Not Insured by any Federal Government Agency. Registered address: 72 South Main Street, Canandaigua, NY 14424

View the Cetera Investment Services Privacy Policy and other Important Information.

Registered Representatives are registered to conduct securities business and licensed to conduct insurance business in limited states. Response to, or contact with, residents of other states will only be made upon compliance with applicable licensing and registration requirements. The information on this website is for U.S. residents only and does not constitute an offer to purchase brokerage services to persons outside of the United States.

(†) 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)Securities are offered through, and advisors are registered with Cetera Investment Services LLC, member FINRA/SIPC. Advisory Services are offered through OBS Financial Services, Inc. Cetera Investment Services LLC is independent of OBS Financial Services, Inc. and Canandaigua National Bank & Trust. Securities are: *Not FDIC Insured *Not Bank Guaranteed *May Lose Value *Not a Bank Deposit *Not Insured by any Federal Government Agency. Registered address: 72 South Main Street, Canandaigua, NY 14424

View the Cetera Investment Services Privacy Policy and other Important Information.

Registered Representatives are registered to conduct securities business and licensed to conduct insurance business in limited states. Response to, or contact with, residents of other states will only be made upon compliance with applicable licensing and registration requirements. The information on this website is for U.S. residents only and does not constitute an offer to purchase brokerage services to persons outside of the United States.

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