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Optimum

Want to make the most of your banking relationship?  With the Optimum plan, you can.  Receive preferred rates, bank online or at the bank office, and have a dedicated personal banker available to assist you with all your financial needs.  And, with our Optimum Sweep feature, you will have all the tools you need to manage your assets, effectively consolidating your banking and investing services into one relationship.

As an Optimum accountholder, you'll receive special benefits such as membership in our Optimum Club.  Members of the Optimum Club are provided a variety of social gatherings with peers, who like you, enjoy escorted group travel, theater, and picnics in the park.

You'll benefit from this plan if you:
  • prefer interest-bearing checking and unlimited check writing 
  • desire a Personal Banker and targeted financial planning
  • prefer CNB's best consumer loan and deposit rates
  • desire the ability to conveniently manage multiple deposit and investment relationships, so that all of your dollars are working for you all the time
  • desire ATM terminal fee rebates
  • enjoy social gatherings and escorted travel
  • value timely education and advice through targeted communications relevant to your banking behaviors 

It's fast, easy and secure.

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To view more Optimum Checking details - click here!  

What you get with Optimum Checking from CNB
Monthly
Maintenance Fees
Freddie Mac Mortgage minimum outstanding balance of $150,000;
or combined deposit, loan, or investment relationship of $20,000:   $0
If minimum balance is not met:  $18.50
Checking with Interest     The Optimum plan is an interest bearing checking account.
Automatic Teller Machine (ATM) Access and Rebates Use of CNB ATMs is free.
For non-CNB ATM transactions, up to four (4) terminal usage fees will be credited to your checking account per month with a value of $2.50 per use (a maximum value of $10.00 per month).
Loan Discount Consumer loan discount of .25% with a CNB Optimum Checking Account. An additional loan discount of .25% with electronic payment from a CNB checking account. Maximum loan discount with Optimum Checking Account and electronic payment is .50%. 
Consumer Mortgage credit of $150 at closing for first-lien position on accountholder's primary residence. Limit one per life of loan.
Online Banking &
CNBanker Voice    

No fee 24-hour access.

Mobile Banking  No fee.
CNB Mobile Banking Details
CNBillPay® Pay your bills online with no monthly service or transaction fees.
CNBillPay® Details  
CNBudget Central Stay in control of your finances with this free personal financial
management tool.
CNBudget Central Details
Companion Savings Account One Companion Savings Account with no monthly maintenance fee.
Companion Savings Details  
Optimum Money Market Account One Optimum Money Market Account with no monthly maintenance fee and is exclusive to the Optimum plan.
Optimum Money Market Account Details  
Optimum Sweep Feature Available exclusively to Optimum checking account holders. 
ATM or MasterMoney™ Debit Card Free ATM or debit card (subject to approval).
ATM/Debit Card Details  
Overdraft Protection A ChexMate Overdraft Protection line of credit is available with this account.
ChexMate Overdraft Details*
Monthly Check
Writing Fees
$0
Check Orders All orders of custom CNB checks are FREE. Equal credit may be applied toward alternate style of your choice.
Check Imaging Free online images of the front and back of all checks cleared during the statement period.
Preferred Rates     Preferred CD and Money Market rates
Safe Deposit Box Complimentary small safe deposit box (1 year) or equivalent value toward an upgrade.
Bank & Personal Money Orders No fee bank and personal money orders for Optimum accountholders.
Optimum Club Membership Enjoy social gatherings and escorted travel as an Optimum accountholder.
Travel Experience
Target Financial Plans** No fee Targeted Financial Plans from your Personal Banker.

As the Rochester, NY region's only local, full-service, community-owned  financial institution, we've grown by offering competitive banking options and the kind of personalized service that builds long-lasting relationships.

Additional Account Information & Terms

*Subject to credit approval.

** 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.

*Subject to credit approval.

** 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.