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Optimum Checking

The Optimum Account is our most comprehensive checking relationship with extensive features and benefits. Whether you bank online or at the bank office, you’ll enjoy preferred deposit and loan rates, valuable education and advice, and an exceptional customer service experience.

Optimum Account Benefits:

  • Expanded ATM Network available.
  • Interest-bearing checking and unlimited check writing. 
  • Preferred deposit rates - CD and Money Market.
  • Consumer loan rate discounts with recurring automatic loan payment.
  • No fee transactions at CNB or non-CNB ATMs.
  • Consumer Mortgage closing credit. (restrictions apply)
  • Optimum sweep functionality available, maximize the interest earned on your deposits.


ATM Fee Rebates

No fees at CNB ATMs or for foreign ATM transactions. Rebate of terminal usage fees up to 4/month ($10 value).


Preferred Rates

Receive preferred rates on deposit and consumer loans.


Escorted Travel

Created with our customers in mind, all trips are escorted by CNB personnel and provide you with peace of mind while traveling. More Information



A valuable debit card program that rewards your for everyday shopping.

Features and Benefits of the Optimum Checking Account »

Discover the CNB difference.

As the only local, full-service, community-owned financial institution in the Greater Rochester Area, CNB is investing in you, your business, and your community. At CNB, we realize that no two customers are alike. Neither are their banking needs. Our competitive checking accounts offer debit card rewards programs and other additional banking conveniences such as, mobile solutions, coin counters, enhanced ATMs, weekend hours and more.

Additional Account Information & Terms