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You > Checking


Always on the go?  With the e-ssentials package checking plan, you can bank whenever, wherever.  This plan is designed to provide convenient, time-saving, readily accessible banking solutions for all your financial needs.  Whether you're traveling around the world or around the town, this banking option is essential to the way you bank.

You'll benefit from this plan if you:
  • receive direct deposit
  • desire ATM terminal fee rebates
  • prefer to use electronic debits/payments 
  • wish to have free 24-hour access to your account via phone, Web, or any ATM worldwide
  • utilize online banking and bill payment services

It's fast, easy and secure.

For more e-ssentials checking details - click here!  

What you get with e-ssentials Checking from CNB
Maintenance Fees
With direct deposit and e-statement: $0
With direct deposit or e-statement: $3
With neither direct deposit nor e-statement:  $8
Automatic Teller Machine (ATM) Access and Rebates Use of CNB ATM is free.
For non-CNB ATM transactions, up to two (2) terminal usage fees will be credited to your checking account per month with a value of $2.50 per use (a maximum value of $5.00 per month).
Loan Discount    Consumer Loan discount of .25% with electronic payment from CNB Checking Account. **
Online Banking & 
CNBanker™ Voice    
No fee 24-hour access.
Mobile Banking No fee.
CNB Mobile Banking & App 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  
ATM or MasterMoney™ Debit Card 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 Protection.*
Monthly Check
Writing Fees
0-15 checks: $0
Over 15: $0.50/check
Check Orders Cost for check printing varies depending on the style of check ordered.
Check Imaging Free online images of the front and back of all checks cleared during the statement period. 
NYS Basic Banking Account The e-ssentials plan with direct deposit meets the NYS Basic Banking Account requirements for our communities.

As the region's only local, full-service, community-owned financial institution in Rochester, NY, we've grown by offering competitive banking options and the kind of personalized service that builds long-lasting relationships.  

Additional Account Information & Terms

*Subject to credit approval.

**Loan discounts limited to 1 discount per loan.