Personal Banking

For a full list of fees, contact us for a copy of the Personal Schedule of Fees.
Free Internet Banking and Bill Pay available on all personal accounts.

Free Checking | Master 50 Checking | Community Club Checking | Now Checking | Savings | Minor Savings | Master 50 Savings | Money Market | CD’s and IRA’s | HSA

Free Checking

Free Checking is a non-interest checking account which benefits customers writing a small number of checks. Debit cards and eVue statements available ($5.00 monthly fee for paper statements).

  • Minimum to open = $100.00
  • Unlimited check writing
  • No minimum balance requirement
  • Monthly statements available via eVUE only ($5.00 monthly fee for paper statements)
Master 50 Checking

Master 50 Checking is a non-interest bearing personal checking account perfect for those 50 years of age and over. Basic bank stock checks available for no charge (limit one box per order), no charge for cashier checks, money orders, or notary service. Free photocopies (limit 10 per month). Debit cards and eVue statements available with this product.

  • Minimum to open = $100.00
  • Unlimited check writing
  • No monthly service charge
  • No minimum balance requirement
  • Statement includes imaged checks
  • No charge for bank stock check order (one box per order)
  • No charge for cashier checks, money orders or notary service
  • Free photocopies (limit 10 per month)
Community Club Checking

Community Club Checking is a non-interest bearing checking account offering a variety of special benefits for our community minded customer. Basic bank stock checks available for no charge (limit one box per order), no charge for cashier checks, money orders, or notary service. In addition, 50% discount on stop payments, accidental death and dismemberment insurance, and many other benefits are included. Debit cards and eVUE statements available with this product.

  • Minimum to open = $100.00
  • Unlimited check writing
  • Low monthly service charge = $6.00
  • No minimum balance requirement
  • Statement includes imaged checks
NOW Checking

NOW Checking is an interest bearing checking account that offers a variable interest paid on daily balances. This product is designed for the customer with a higher checking balance looking to earn interest and have the flexibility to write checks. Debit cards and eVue statements available with this product.

  • Minimum to open = $100.00
  • Minimum daily balance of $1,000.00 = no monthly service charge; Less than $1,000.00 = $8.00 monthly service charge
  • Unlimited check writing
  • Imaged checks are not returned with statement
Regular Savings

Regular Savings is an interest bearing account designed for customers to accumulate interest and increase savings. Variable interest compounded quarterly and paid quarterly on the daily available balance. Debit cards (when attached to a CNB Personal checking account) and eVue statements available.

  • Minimum to open = $100.00
  • Maintain minimum daily balance of $200.00 = no service charge; Service charge of $2.00 with balance less than $200.00 per month
  • Limit of 9 withdrawals per quarter; excess withdrawals $1.00 per occurrence
  • Limit of six (6) transfers from your account each four week or similar period if by preauthorized or automatic transfer, or telephone (including data transmission) agreement, order or instruction or by check, draft , debit card or similar order (including POS transactions), made by the depositor and payable to third parties. Transfers and withdrawals made in person, by messenger, by mail or at an ATM are unlimited.
Minor Savings

Minor Savings is an interest bearing account designed for customers 18 years of age and under to accumulate interest and increase savings. When customer reaches 18 years of age this account converts to the Regular Savings product. Variable interest compounded quarterly and paid quarterly on the daily available balance.

  • Minimum to open = $0.00
  • Monthly service charge waived until 18th birthday
  • Limit of 9 withdrawals per quarter; excess withdrawals $1.00 per occurrence
  • Limit of six (6) transfers from your account each four week or similar period if by preauthorized or automatic transfer, or telephone (including data transmission) agreement, order or instruction or by check, draft , debit card or similar order (including POS transactions), made by the depositor and payable to third parties. Transfers and withdrawals made in person, by messenger, by mail or at an ATM are unlimited.
Master 50 Savings

Master 50 Savings is an interest bearing account designed for customers 50 years of age and over to accumulate interest and increase savings. Variable interest compounded quarterly and paid quarterly on the daily available balance.

  • Minimum to open = $0.00
  • No monthly service charge
  • No minimum monthly balance requirement
  • Limit of 9 withdrawals per quarter; excess withdrawals $1.00 per occurrence
  • Limit of six (6) transfers from your account each four week or similar period if by preauthorized or automatic transfer, or telephone (including data transmission) agreement, order or instruction or by check, draft , debit card or similar order (including POS transactions), made by the depositor and payable to third parties. Transfers and withdrawals made in person, by messenger, by mail or at an ATM are unlimited.
Money Market

Money Market is a personal tiered account with limited transactions. Using the following tiers a variable interest rate is paid on the daily balances:

    Tier 1 $0.00 - $24,999.99
    Tier 2 $25,000.00 - $49,999.99
    Tier 3 $50,000.00 - $199,999.99
    Tier 4 $200,000.00 - $499,999.99
    Tier 5 $500,000.00 & above

  • Minimum to open = $1,000.00
  • Minimum daily balance of $1,000.00 = no monthly service charge; Less than $1,000 = $10.00 monthly service charge
  • Limit of 6 withdrawals per quarter; excess withdrawals $10.00 per occurrence
  • Limit of six (6) transfers from your account each four week or similar period if by preauthorized or automatic transfer, or telephone (including data transmission) agreement, order or instruction or by check, draft , debit card or similar order (including POS transactions), made by the depositor and payable to third parties. Transfers and withdrawals made in person, by messenger, by mail or at an ATM are unlimited.
CD’s and IRA’s

Certificate of Deposit designed to give flexibility and a guaranteed interest rate to fit your financial needs. Minimum to open is $1,000.00. The term chosen will determine the rate of interest earned. Interest earned may be deposited to a checking, savings account or added back to the principal according to the terms agreed on at the time of the CD purchase.

  • Specific terms available for CD’s: 91 Day Certificate, 182 Day Certificate, 12 Month Certificate, 24 Month Certificate, 36 Month Certificate, 48 Month Certificate or 60 Month Certificate.
  • Specific terms available for IRA’s: 12 Month Certificate, 24 Month Certificate or 60 Month Certificate.
  • Subject to early withdrawal penalties if partial or all funds withdrawn- see bank representative for other specific details.

 

Health Savings Account

HSA is a interest bearing account to help with mounting medical expenses; or can be a tool for tax-deferred savings to be used for your future medical needs. Variable interest compounded monthly and paid monthly on the daily available balance.

  • Minimum to Open $100.00
  • Unlimited transactions
  • No monthly service charge
  • No minimum monthly balance requirement
  • Special CNB debit card (no ATM or point of sale access)