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You > Financial Planning Strategies

Estate Checking

Canandaigua National Bank & Trust makes it easy, convenient, and cost-effective for you to handle the proceeds of an estate.    

Our Estate Checking accounts are ideal for an individual who is the executor or appointed administrator of an estate and is in need of a checking account specific to handling the proceeds of an estate settlement, as a cash holding tank, prior to the distribution to the estate’s beneficiaries, creditors, etc.  

We focus on your needs as you carry out the wishes of your loved ones, allowing you unlimited check writing and the ability to waive the maintenance fee by either signing up for e-Statements or meeting the minimum average collected daily balance requirement.

Estate Checking:
  • No fee with minimum average collected daily balance or e-statement
  • 24-hour access with CNB's Online Banking
  • Unlimited check writing

It's fast, easy and secure.

What you get with Estate Checking from CNB
Benefits   Designed for handling the proceeds of an estate
No Monthly Fee if

$2,500 average collected daily balance
enrolled in e-statement

e-statement option

No monthly fee

EIN (Employer Identification Number) or TIN (Tax Identification Number)
In need of an EIN or TIN? Click here to apply
You will find the "easy Online IRS Assistant" for a fast "5 minute," assisted filing process.
You will need the decedent's 1) Tax ID number and 2) First and Last Name exactly as
stated on their most recent tax return.

Required for Estate
Free Online Banking Yes
Fee per item deposited

No Fee

Canceled check images available Yes
Check Writing


Check Images Available on a Compact Disc

$4.00 Monthly or $5.00 Quarterly

Monthly service fees (if minimum average collected daily balance is not maintained or not enrolled in e-statement option)