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.
|What you get with Optimum Checking from CNB
|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).
||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 &
No fee 24-hour access.
CNB Mobile Banking Details
||Pay your bills online with no monthly service or transaction fees.
||Stay in control of your finances with this free personal financial
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
||A ChexMate Overdraft Protection line of credit is available with this account.
ChexMate Overdraft Details*
||All orders of custom CNB checks are FREE. Equal credit may be applied toward alternate style of your choice.
||Free online images of the front and back of all checks cleared during the statement period.
||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.
|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.
*Subject to credit approval.
**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.
Additional Account Information & Terms