Community National Bank offers a diverse selection of consumer products to meet your personal banking needs. We offer a competitive line of savings, checking, and lending options meeting you at your point of need. Our community-oriented staff of personal banking experts has the ability to fit you with the product that will serve you best. It is our intent to be your partner in life establishing a relationship that you can count on. Contact us today to find out how we can server your need.

Personal Checking Accounts
$100.00 minimum deposit to open account. Overdraft protection is available on all checking accounts.

*Simplicity Account
This account is designed for customers who want the freedom to write numerous checks and do not want to carry a large balance.

• 100 Free Community Checks or 80 Duplicate Community checks with a new account
• $2.75 minimum balance fee with a maximum of 50 checks per statement cycle. Additional checks .20 check fee each.
• Free Safe Deposit box for 1-year with auto debit (Larger boxes discounted).
• No minimum balance fee with minimum balance of $1,500.
• No application fee for overdraft protection.

*Economizer Account
This account is a low cost checking account with the availability of $20,000 in Accidental Death Insurance.

• $3.75 minimum balance fee with a maximum of 50 checks per cycle. Additional checks .20 check fee each.
• No minimum balance fee with minimum balance of $1,500.

*Student Account
To qualify for this account you must be at least 16 years old or a freshman in high school and a full-time student.

• No monthly service charge.
• 10% discount on checks.
• ATM access with parent or guardian if minor.

*Choice Account
This account gives you the advantage of using your balance to avoid a minimum balance fee service charge with unlimted check writing.

• $500.00 or more No Charge
• $300 to $499.99 $3.25
• $100 to $299.99 $5.25
• $00.00 to $99.99 $7.25

*Charter Account
If you are 62 years of age or better and have your account set up for direct deposit and want no service charge, this account is for you.

• No minimum balance requirements.
• Unlimited Check Writing.

*Free Checking
This account is for customers that prefer a FREE checking account with unlimited check writing. That’s right, no monthly service charge plus the following features:

• First order of 80 duplicate CNB checks FREE.
• Minimum opening deposit of $100.00
• Unlimited check writing.
• Internet Banking available FREE.
• Telephone Banking available FREE.
• Detailed monthly statement listing all activity. Cancelled checks are not returned.
• FREE ATM card.
• May apply for debit card after 30 days.
• May apply for Credit Reserve Overdraft Protection. Additional fees will apply.
• Insufficient check fee $27.00
• Research fee $15.00 per hour.

Interest Bearing Checking Accounts
*These accounts are tiered and you earn higher interest rates for higher balances maintained. Ask for a current rate sheet.

* 50+ Club
If you are 50 years of age or better, this account accrues interest daily and offer club travel and special events.

• Maximum of 50 checks per cycle. Additional check fee .20 each.
• 10% discount for personalized checks.
• Free Notary Service.
• No charge for Cashier Checks or Money Orders.
• $8.75 minimum balance fee if balance is less than $900.
• No charge for American Express Travelers Checks for One.
• Direct Deposit
• Safe Deposit Box (discounted)
• No charge for stop payments.
• Overdraft protection W.A.C.
• Club Travel and Special Events

*Now Plus
Interest is accrued daily and paid at the end of each monthly statement cycle. Individuals, non-profit organizations, sole proprietors and government units are eligible for NOW PLUS accounts.

• Maximum of 30 checks per cycle. Additional check fee .20 each.
• First 10 non CNB deposited items free, then only .10 fee per deposited item thereafter.
• $8.75 minimum balance fee if balance is less than $900.

*Money Market Account
Money Market Accounts are available for personal and commercial customers. Interest is accrued daily and is paid monthly at the end of each statement cycle.

• Unlimited cash withdrawals.
• 6 pre-authorized debits of which 3 can be checks.
• $10.00 per check fee for all checks over 3 per cycle.
• First 10 non CNB deposit items per cycle are free, then only .20 fee per item thereafter for personal accounts.
• First 10 non CNB deposit items per cycle are free, then only .10 fee per item thereafter for commercial accounts.
• $10.00 minimum balance fee if balance is less than $900.

Savings Accounts

*Regular Savings Accounts
Regular Savings Accounts are available for personal and commercial customers.

• Minimum balance of $100.00 to open account.
• Variable interest rate.
• Interest paid semi-annually, end of June and December.
• Statements mailed semi-annually.
• Maximum of 12 withdrawals per cycle, then only $1.00 withdrawal fee per withdrawal.
• First 60 non CNB deposited items per cycle are free, then only .25 fee per item thereafter.
• Average balance fee of $2.00 if average balance is less than $25.00.
• Must have a checking account to obtain an ATM card.

*Young Investors
Community National Bank promotes and encourages our young people to save for the future. Kids love Diggity Dog, the mascot of the Young Investor Club Account.

• No minimum deposit to open account.
• Variable interest rate.
• Interest paid semi-annually, end of June and December.
• Statements mailed semi-annually.
• Maximum of 12 withdrawals per cycle, then only $1.00 withdrawal fee per withdrawal thereafter.
• First 60 non CNB deposited items per cycle are free, then only .25 fee per deposited item thereafter.
• Newsletter, special promotions and events.
• Average balance fee of $2.00 if average balance is less than $5.00.

*Other Services

• Christmas Club Saving Account
• Individual Retirement Account
• Direct Deposit 
• Safe Deposit Boxes
• Electronic Deposit and Payments
• Certificates of Deposit
• Debit/ATM Cards
• Online Banking

Order Checks Today! – Pick them up in 3 days.

Community National Bank offers a service that will get your personal check orders and your business check orders ready in 3 business days. Outstanding quality. Outstanding value. Duplicate checks, logos, and bylines are all available. We offer several styles and designs to choose from. All at a low cost.

Personal Loans
We offer a wide range of different types of loans for personal or household use. We try to always have a loan which meets your needs. From new and used autos to CDs to home purchases or improvements to overdraft protection – we can finance it all for you.

Community National Bank’s personal loan options include, but are not limited to:

• Home Mortgages
• Home Equity Loans and Lines of Credit
• Residential Construction Loans
• New and Used Automotive Financing
• Loans secured by CDs and Marketable Securities