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Government Banking

If you would like more information about our Government Banking Products, please call (585) 419-0670 ext. 50618.

Feature Municipal Choice Checking Municipal Choice Plus Checking Municipal Choice Savings
Key Feature A great choice if you typically maintain lower account balances and have lower account activity. Make the most of your money with this interest-bearing checking account. Earn interest on every dollar.
Online Banking for Business plus ACH      
Check orders Cost for check printing varies depending on the style of check ordered. 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. (Also available on paper or CD-ROM) Free online images of the front and back of all checks cleared during the statement period. -
Online Banking   Available free Available free  
Fee per item deposited – transit (non-CNB checks) No fee    
Cancelled check images available   -
Debit MasterCard® BusinessCard® Free ATM or MasterMoney debit card (subject to approval). -
Check Writing     -
WorkPlace Banking (WPB) Basic Checking monthly service fee waived with employee participation in WPB    
Monthly and Quarterly CD Statements Available      
Small Business and Commercial Credit Cards (Subject to 3rd party credit approval) Available    
Automatic Teller Machine (ATM) Access   Use of CNB ATMs is free.
A terminal usage fee may be imposed by other financial institutions when a non-bank customer uses their ATM
 
Monthly Maintenance Fee Low monthly fees, or no fees with minimum balance   $0
Minimum Balance Required     -
Balance Computation Method     We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.
Compounding and Crediting     Interest will be compounded and credited monthly on your account statement date.
Accrual of interest on deposits   Earn interest on checking. Interest begins to accrue on the business day you deposit non-cash items (for example, checks).
      Have up to six third-party transfers per statement cycle without penalty.
      Reduce your administrative costs and CD bidding.