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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.

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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. 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
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
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 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
Targeted 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.

Additional Account Information & Terms

ADA Compliance