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 auto-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
CNBankerREWARDS
A valuable debit card program that rewards your for everyday shopping.
Features and Benefits of the Optimum Checking Account »
|
Monthly
Maintenance Fees |
Freddie Mac Mortgage minimum outstanding balance of $150,000; or combined deposit, loan, or investment relationship of $20,000: $0
If average daily balance is not met: $21.50 |
| 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 |
| CardValet® Mobile App |
The CardValet® Mobile App allows you to manage and secure your CNB Debit MasterCard®.
CardValet® 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 Debit Mastercard® |
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* |
| Courtesy Limit |
An overdraft that will occur when your account does not have enough money in your checking account.
Courtesy Limit 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 Financial Advisor |
*Subject to credit approval.
**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.
Additional Account Information & Terms
|
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.
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 auto-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.
CNBankerREWARDS
A valuable debit card program that rewards your for everyday shopping.
Features and Benefits of the Optimum Checking Account
|
Monthly
Maintenance Fees |
Freddie Mac Mortgage minimum outstanding balance of $150,000; or combined deposit, loan, or investment relationship of $20,000: $0
If average daily balance is not met: $21.50 |
| 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 Debit Mastercard® |
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* |
| Courtesy Limit |
An overdraft that will occur when your account does not have enough money in your checking account.
Courtesy Limit 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 Financial Advisor. |
*Subject to credit approval.
**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.
Additional Account Information & Terms
|
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 through our products, personal service, technology, and community support. We offer competitive banking solutions and personalized service that build long-lasting relationships.