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e-ssentials Checking

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).



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 »


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