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 |
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
|