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PERSONAL CHECKING

Next Gen ELITE &
ELITE Checking

Both accounts are loaded with valuable benefits that are designed for you: convenient banking features, protection for your finances, helpful ways to save, and benefits on everyday purchases. These accounts have a service charge that can be reduced or eliminated by meeting the requirements listed below in the chart.

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 of $400 is maintained, 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
Next Gen ELITE (Ages 18-25)
  • $1.00 monthly service charge
  • Eliminate service charge:
    • Receive a $1.00 credit for 5 or more debit card transactions that post and clear your account within the statement cycle (ATM transactions not included).
    • No charge for the first 5 checks clearing account per statement cycle; $5.00 fee for each additional check within same statement cycle.
 $1
  • Up to 3 Foreign ATM Credits (per statement cycle)
  • Identity Theft Protection with credit file monitoring
  • Travel & Leisure Discounts
  • Mobile Retail & Dining Discounts
  • Debit Advantage®
  • Cell Phone Protection

Learn more >
ELITE Checking
  • $8.00 monthly service charge
  • Eliminate or reduce service charge:
    • $5,000 average monthly balance will eliminate your monthly service charge.
    • OR
    • Receive a $4.00 credit with eStatements.
    • Receive a $4.00 credit with 25 or more debit card transactions that post and clear your account within the statement cycle (ATM transactions not included).
 $100
  • Up to 3 Foreign ATM Credits (per statement cycle)
  • Identity Theft Protection with credit file monitoring
  • Travel & Leisure Discounts
  • Mobile Retail & Dining Discounts
  • Debit Advantage®
  • Cell Phone Protection

Learn more >
Everyday Checking
  • Monthly service charge varies depending on balance:
    • $800 & over (No Service Charge)
    • $400 – $799 ($10 service charge)
    • $399 & below ($12 service charge)
 $100
  • See Additional Services below
Fifty Plus Checking
  • Monthly service charge of $6 if balance falls below $400
 $400
  • No charge for basic checks
  • No charge for Official Checks
  • See Additional Services below
Checking Plus Interest (Personal)
  • Monthly service charge of $27 if balance falls below $1,500
 $1500
  • Interest earned on balances of $1,500 and above
  • See Additional Services below

Additional Services

  • Online Banking, Bill Pay, Telephone Banking, Mobile Banking, Mobile Deposit Capture, Text Banking, SecurLock and Electronic Statements available for all accounts at no charge.
  • Overdraft Coverage may be available for some accounts (subject to approval).
  • Available balance is used when determining service charge (when applicable)
  • 24-hour ATMs and Instant Issue Debit Cards