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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. 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.