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Personal Checking
Personal Checking

$100 minimum deposit required to open any account.


Simplicity:
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 service charge with a maximum of 50 checks per statement cycle. Additional checks $0.20 each.
  • FREE Safe Deposit Box for 1 year with auto debit (Larger boxes discounted).
  • No service charges with minimum balance of $1,500.00.
  • No application fee for checking reserve.

 


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

  • $3.75 service charge with a maximum of 50 checks per cycle. Additional Checks $0.20 each.
  • No service charge with minimum balance of $1,500.00.

 


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, Money Orders, and Travelers Cheque Services.
  • FREE stop payment processing.
  • 0.25% rate reduction on consumer loan products with payments by auto debit.

 


Choice:
This account gives you the advantage of using your balance to avoid a monthly charge with unlimited check writing.

  • $500.00 or moreā€”no monthly service charge
  • $300.00 to $499.99 . . . . . . . . . . . . . . . $3.25
  • $100.00 to $299.99 . . . . . . . . . . . . . . . $5.25
  • $000.00 to $99.99 . . . . . . . . . . . . . . . . $7.25

 


Charter:
If you have your account set up for direct deposit and want no service charge, then this account is for you.

  • No minimum balance requirements.

 


eTunes Checking:
This is a FREE checking account with benefits. Qualify for FREE iTunes downloads and a maximum of $25 credit towards foreign ATM fees. All we ask you to do is:

  • Receive your account statement electronically.
  • 12 CNB&T debit card purchases post and clear the account during the monthly qualification cycle.

 

 

Interest Bearing Checking Accounts


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 monthly qualification cycle.
  • 12 CNB&T debit card purchases post and clear the account during the monthly qualification cycle.
  • ePower Calendar for 2014
    Month Qualification Period Ends Statement Cuts
    January

    15

    16
    February 19 20
    March 19 20
    April 16 17
    May 14 15
    June 18 19
    July 16 17
    August 20 21
    September 17 18
    October 15 16
    November 19 20
    December 17 18
  • No monthly service charge or minimum balance required.

 


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

  • Maximum of 30 checks per cycle. Additional checks $0.20 each.
  • First 10 deposited items free, then only $0.10 per item thereafter.
  • $8.75 service charge if minimum balance is less than $900.

 


Insured Money Market:
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 6 can be checks.
  • $10.00 per check for all checks over 6 per cycle.
  • First 10 deposited items per cycle free, then only $0.20 per item thereafter for Personal accounts.
  • First 10 deposited items per cycle free, then only $0.10 per item thereafter for Commercial accounts.
  • $10.00 service charge if minimum balance is less than $900.

 


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