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Personal Checking Account Comparison

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Guardian Secure Checking:

*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 additional fee for paper statement. Other fees may apply and may reduce earnings.

**Other bank fees may apply.

***Insurance products are not a deposit, not an obligation of CNB&T, not guaranteed by CNB&T or any affiliated entity, and not FDIC-insured.

ePower Checking:

^Fees may reduce earnings

*Other fees may apply

Money Market Account:

^Fees may reduce earnings

*Other fees may apply

FAQs

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Q1. How is each Community National Bank & Trust checking account different?

A. Each account is designed for a specific need. Basic Checking keeps things simple. ePower Checking rewards paperless banking with no monthly fee. Guardian Secure Checking layers identity protection benefits over standard checking. NOW Plus pays interest on your balance. Student, Teacher’s Choice, and 50+ Club are tailored to specific life stages and professions. The comparison chart above shows fees, balance requirements, and features side by side.

Q2. Which checking account has the lowest fees?

A. For zero monthly maintenance fees, ePower Checking and Student Checking are the best fits. Other accounts can also avoid fees by meeting requirements like a minimum balance or direct deposit. The chart above shows current fee structures for each account.

Q3. Which account is best for someone who wants to earn interest?

A. If earning interest on your everyday balance is the priority, NOW Plus Checking is the best fit among our checking accounts. For higher balances and better rates, our Money Market Account pays more in exchange for higher balance requirements.

Q4. Can I switch from one Community National Bank & Trust checking account to another later?

A. Yes. If your needs change, such as if you graduate from Student Checking, hit a balance threshold that makes a different account better, or want to add identity protection, talk to a banker at any of our banking centers and we can help you switch without disrupting your direct deposits or bill payments.

Q5. Do all of these checking accounts come with a debit card?

A. Yes. Every Community National Bank & Trust personal checking account includes a Visa debit card with chip technology, free access to CNB&T ATMs, and built-in card controls through Card Suite Pro so you can freeze your card or set alerts from your phone.

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