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Health Savings Account

CNB and leading provider, HSA Bank, have teamed up to bring HSAs to our consumers. An HSA is a tax-favored account used in conjunction with an HSA-compatible health plan – allowing you to contribute funds on a pre-tax or tax-deductible basis, which you may use for eligible medical expenses.

With an HSA you can:

  • Make deposits and withdrawals at any of our convenient CNB Bank Offices.
  • Gain the exceptional customer service expected of CNB, with the experience of HSA Bank.
  • Utilize HSA Bank's online account management services made available to you.


Contributions are Tax-Deductible

If contributed to HSA account through a payroll deduction - they are pretax.

Tax Free Interest

Tax-Free Interest

The interest earned on the HSA account is all tax-free and the owner can make tax-free withdrawals for qualified medical expenses.


Dedicated Call Center

Access to the HSA Call Center available 24 hours a day, 7 days a week - (800) 357-6246.

Enroll Online or by Phone

Enroll Online or by Phone

Online enrollment is quick and easy or enroll by phone by calling (800) 357-6246.

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. We have a variety of personal savings options with different levels of earning potential, including interest-bearing accounts, savings bonds, CDs with short and long-term rates, installment accounts and more.