PERSONAL CHECKING

Express Checking

No monthly fee for this account, and no minimum balance required (which also includes 2 rebated ATM transaction fees for other ATMs). To qualify for this account, both direct deposit and electronic statement are required. Go Green!

Everyday Checking

This account provides the features most people prefer. If the required minimum balance is maintained, the monthly service charge is waived. An initial deposit of $100 will open this account and we have a wide variety of check styles available.

Fifty Plus Checking

This account is available to anyone over the age of 50 and it is a great product because you receive several important services. If the required minimum balance is maintained ($400), the monthly service charge of $6 is waived.

Checking Plus Interest

An account that offers both flexibility and interest. This account is perfect for the household that needs more frequent access to funds in the account while letting the balances in the account earn interest.

For more account information, please see the chart below: 

Personal Checking Products & Fees

CNB Product Type Service Charges
for Products
Minimum Balance To Open Account Features of Product
Express Checking No minimum balance required $100 No debit card fee

Fees waived for up to 2 foreign ATM transactions per statement cycle

No monthly service charge with direct deposit and electronic statements

Everyday Checking Monthly service charge varies depending on balance:

$800 & over—-No Service

Charge $400 & $799—-$10

$399 & below—-$12

$100 No debit card fee
Fifty Plus Checking Monthly service charge of $6 if balance <$400 $400 No charge for basic checks

No charge for Official Checks

No debit card fee

Checking Plus Interest (Personal) Monthly service charge of $27 if balance <$1,500 $1500 Interest earned on balances of $1,500 and above

No debit card fee

*Regulatory limit of six (6) transfers or payments (preauthorized, automatic, by telephone, or from a personal computer), including drafts, checks, debit card, or similar orders (including POS transactions) payable to a third party, from your money market or savings account per statement cycle. Preauthorized or automatic transactions may be initiated by Telephone Banking, Online Banking, or standing order. This limit does not apply to deposits, in-person withdrawals, withdrawals at an ATM, automatic transfer to repay your CNB loan. Exceeding the regulatory limit on transfers and withdrawals on more than an occasional basis may result in your money market or savings account being converted to a transaction account. A fee of $10.00 may be assessed for each transfer or payment (including checks) in excess of six per monthly statement period.

Additional Services

  • Online Banking, Bill Pay, Telephone Banking, Mobile Banking and Electronic Statements available for all accounts at no charge.
  • Debit card / Overdraft Privilege Protection may be available for some accounts (Subjected to approval)
  • Available balance is used when determining service charge (when applicable)