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Your Business > Deposit Services

CNBusiness ChoiceSM Optimum

CNBusiness ChoiceSM Optimum Checking has additional features for larger businesses.

CNBusiness ChoiceSM Optimum Checking:
  • Free payroll account
  • Free ACH origination
  • Automatic sweep of cash from checking to savings
  • Automatic transfers from savings to checking to cover checks presented for payment
  • No monthly maintenance fee with minimum balance
  • 24-hour access to CNB's Online Banking for Business
  • Cancelled check images
  • Can be linked to Business Line of Credit

It's fast, easy and secure.

CNBusiness ChoiceSM Optimum Checking Specific Account Terms
Feature Account Term
Best for mature businesses that seek cash management tools, maintain higher account balances and have higher account activity.
No monthly fee if
$45,000 average collected daily balance*
Free Online Banking for Business (OLBB)
Online Banking for Business plus ACH
CNB Mobile Deposit     
$0.50 fee per mobile deposit

Link to Business Line of Credit** 

Auto Transfer Included
Business ChexMate** Line of Credit transfer fee
Auto Transfer Included
Business ChexMate* annual fee
Fee per item deposited – transit (non-CNB checks)
$0.08 per item after
Canceled check images available
No monthly fee Savings account
Choice Sweep feature linked to Savings
Optional free payroll account
Debit MasterCard BusinessCard®
Check Writing
Free and Unlimited
WorkPlace Banking (WPB)
$10,000 reduction on average daily collected balance with a minimum of 10 enrolled employees in WPB
Monthly and Quarterly CD Statements Available
$4.00 monthly or $5.00 quarterly
e-Statement option
$2 reduction in monthly service fee
Monthly service fees (if minimum balance is not maintained)
Small Business and Commercial Credit Card (Subject to 3rd party credit approval)

Average collected daily balance = Available balance at the end of the day every day of the cycle, divided by the total number of days in the cycle.

** Subject to approval.