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Guardian Secure Checking**:

Keep your family finances safer with ID Protect® service which includes:

  • Identity Theft Expense Reimbursement Coverage
  • Comprehensive Identity Theft Resolution Services
  • 3-in-1 Credit File Monitoring
  • 3-in-1 Credit Report
  • Total Identity Monitoring

 Take advantage of smart discounts:

  • Travel and Leisure Discount Membership
  • $hopping Rewards™

 Also includes:

  • Cellular Phone Protection
  • Accidental Death & Dismemberment Insurance
  • Health Care Discounts

To earn the current rates and receive ATM refunds, perform the following each statement cycle:

  • Have at least 12 debit card transactions post & clear your account
  • Have at least one direct deposit or ACH auto debit post & clear your account
  • Enroll to receive electronic statements

All included for a low monthly service fee.

 

ePower Checking:

This FREE checking account is designed to earn better than CD-like rates and qualify for a maximum of $25 credit towards nationwide foreign ATM fees. To earn the power rate and qualify for ATM refunds we require:

  • Receive your account statement electronically.
  • 1 direct Deposit or ACH automatic payment post and clear the account during the statement cycle.
  • 12 CNB&T debit card purchases post and clear the account during the statement cycle.
  • No monthly service charge or minimum balance required.
  • Statements cut on the 3rd Thursday of each month.  The qualification period starts the 3rd Friday of each month and ends the 3rd Thursday of the following month.

Teacher's Choice:

We at CNB&T believe in our local schools and those who have committed themselves to our children. We would like to reward you with a premium banking product that offers CNB&T's excellent service coupled with a bounty of free banking products.

  • Unlimited Check Writing.
  • NO monthly service charge.
  • FREE checks. (Select styles only)
  • FREE standard size safe deposit box, where available.
  • FREE Cashier's Checks and Money Orders
  • FREE stop payment processing.
  • 0.25% rate reduction on consumer loan products with payments by auto debit.

NOW PLUS:

Available to individuals, non-profit organizations, sole proprietors and government units

  • 30 free checks per cycle, then only $.20 each
  • 10 free non-CNB&T deposited items, then only $.10 per item thereafter (all CNB&T items are free)
  • $8.75 service charge if minimum balance is less than $900

Money Market:

Available for personal and commercial customers

  • 10 non-CNB&T deposited items free, then only $.20 per item thereafter for personal accounts or $.10 per item for commercial accounts (all CNB&T items are free)
  • 6 pre-authorized debits of which 6 can be checks
  • $10 service charge if minimum balance is less than $900
  • 6 FREE checks per cycle

50+ Club:

An account for those at least 50 years of age; offers club travel and special events

  • Unlimited check writing
  • Free cashiers checks and money orders
  • $3.50 minimum balance fee if balance is less than $100
  • Free standard safe deposit box (or discounted larger box) for 1 year with auto debit, where available
  • Free stop payment processing

Student Account:

For those at least 16 years old or a freshman in high school and a full-time student

  • No monthly service charge
  • 10% discount on check orders
  • ATM access with parent or guardian, if a minor

Free Checking:

  • First order of checks free
  • Unlimited check writing
  • Detailed monthly statement listing all activity
  • Check images available online
  • Other bank service charges may apply

 

 


  • **1.50% Annual Percentage Yield (APY) paid on balances between one penny and $25,000 and 0.15% APY paid on all amounts above $25,000 plus receive ATM refunds up to $25.00 (limitations apply) each statement cycle the above minimum requirements are met. If you do not meet the requirements per statement cycle your account will still earn 0.10% APY, however it will not receive ATM refunds for that time period.  Rates and yields effective as of 2/14/18. Rates and yields may change without notice. We may change the interest rate and APY at any time after the account is opened.  No minimum balance required.  However you must deposit $100 to open this account.  Available to Personal Accounts only. $4.95 monthly service charge. $2.00 additional fee for paper statement.  Other Fees may apply and may reduce earnings.

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Your privacy is very important to us. We would like to advise you that Internet email is not secure. Please do not submit any information that you consider confidential. We recommend you do not include your social security or account number or other specific identifying information.

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