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 discount1 of .50% with recurring automatic loan payment from a CNB personal Optimum Checking
Account.
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.
CNB
Online Banking & CNBanker® Voice Details
|
| Mobile Banking |
No fee.
CNB
Mobile Banking Details |
| CNBillPay® |
Pay your bills online with no monthly service or transaction fees.
CNBillPay®
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 |
| CNBankerREWARDS |
A valuable debit card program that rewards your for everyday
shopping.
CNBankerREWARDS
Details |
| Overdraft Protection |
A ChexMate Overdraft Protection line of credit is available with this
account.
ChexMate
Overdraft Details2 |
| 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 |
| Targeted Financial Plans3 |
No fee Targeted Financial Plans from your Financial Advisor |
1Loan discount is based on a qualified personal checking account where the accountholder has either a Tax Owner or Non-Tax Owner relationship and is a borrower/co-signer/guarantor on the applicable loan. Discount does not apply to Savings Account or CD Secured Loans, Time Notes, ChexMate Overdraft Lines of Credit, or Wealth Lines of Credit. Loans secured by non-owner occupied real estate, or real estate loans that have been discounted through other mortgage processes, are not eligible for the Consumer Loan discount program. Loan discounts are limited to one discount per loan. Loan discounts will not be modified after original discount is applied, with the exception of adjustable rate products.
2Subject to credit approval.
3Investments 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
|