The e-ssentials Account is designed for customers who utilize our online and mobile
banking solutions. Always on the go - bank whenever, wherever with our mobile banking
app, CNBillPay, text banking, and more. Enjoy convenient, time-saving, readily
accessible banking solutions for all your financial needs.
e-ssentials Account Benefits:
- No monthly maintenance fee with regular direct deposit and e-statement.
- Consumer loan rate discount* with recurring automatic loan payment.
- No fee transactions at CNB or non-CNB ATMs.
- ATM terminal usage fee rebates.
- Expanded ATM Network available.
ATM Fee Rebates
No fees at CNB ATMs or for foreign ATM transactions. Rebate of terminal usage fees
up to 2/month ($5 value).
CNBankerREWARDS
A valuable debit card program that rewards you for everyday spending.
Nearly 100 ATMs Available
Convenient, no fee ATM access across the Greater Rochester Area.
Consumer Loan Discount
With the e-ssentials checking account you can receive a consumer loan discount* of .25% with
recurring automatic loan payment.
Features and Benefits
of the e-ssentials Checking Account »
|
Monthly
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 recurring automatic loan payment from a CNB personal 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 |
| 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 |
| 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 Protection.** |
| 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 |
0-15 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. |
*Loan discount is based on a qualified personal checking account where the account holder 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, Wealth Lines of Credit or loans originated by the CNB Mortgage Company. Loan discounts limited to one discount per loan. Loan discounts will not be modified after original discount
is applied, with the exception of adjustable-rate products.
**Subject to credit approval.
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.