Personal Checking
Guardian Secure Checking
For the full banking package, consider opening a Guardian Secure Checking account. For a small monthly fee, you'll gain access to exclusive perks, including cellular protection and a Travel and Leisure Family Club membership, alongside standard benefits like a free debit card and competitive interest on your balance.
- Checking with all the essentials to manage funds
- Credit monitoring and identity theft protection included with account
- Get discounts on insurance benefits
ePower Checking
Our ePower checking account is a premier option for those who want high interest with minimal risk. Once your application is complete, you'll enjoy some of our highest interest rates and reduced ATM fees nationwide—plus unlimited check writing and online banking with no monthly balance requirements.
- Reduced fees on nationwide ATMs
- Enjoy banking essentials with CD-like interest rates
- No monthly service fees
Money Market Account
Enhance your financial management with a money market account at Community National Bank & Trust. With competitive, tiered interest rates, you'll enjoy flexibility and secure access to your funds, including direct check writing and free online and mobile banking.
- Take advantage of pre-authorized debits
- Earn competitive interest
- May qualify for no monthly service charge
Basic Checking
If you value simplicity, a basic checking account is your ideal option. Enjoy benefits like a free debit card and unlimited check writing with Community National Bank & Trust, all with no minimum balance requirements.
- Basic checking with all the essentials
- Easily view, manage, and transfer funds online
- Unlimited check writing
NOW PLUS Checking
Looking for an interest-bearing account that works harder for you? Our NOW PLUS checking accounts are a great fit. These accounts accept up to 10 non-CNB&T items and include 30 free checks per monthly cycle, along with digital banking and a free debit card.
- Get 30 free checks per cycle
- Earn competitive interest on balances
- Enjoy 10 free non-CNB&T deposits
Teacher's Choice Checking
Local educators deserve a little extra credit, and our Teacher's Choice checking account delivers. In addition to standard account benefits, you'll receive a free standard-size safe deposit box and reduced rates on consumer product loans as our way of saying thank you for your dedication to future generations.
- Exclusive account for local educators
- No monthly service fees
- Unlimited check writing
50+ Club Checking
Community National Bank & Trust is here to help you live your best life. Members 50 and older can open a 50+ Club checking account and enjoy benefits tailored to their adapting lifestyle, including competitive interest rates, special events, and exclusive promotions.
- Exclusive account for customers age 50 or better
- Unlimited check writing
- Earn competitive interest
FAQs
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Q1. What types of personal checking accounts does Community National Bank & Trust offer?
A. We offer eight personal checking options to fit different lifestyles: Basic Checking for everyday simplicity, ePower Checking for those who prefer paperless banking, Guardian Secure Checking with identity protection benefits, NOW Plus Checking, our Money Market Account for higher balances, plus age- and profession-specific options like Student Checking, Teacher’s Choice, and 50+ Club Checking.
Q2. How do I choose the right checking account for me?
A. The right account depends on how you bank. If you want straightforward, no-frills banking, look at Basic Checking. If you prefer to bank online and want to skip monthly fees through paperless statements, ePower Checking is a strong fit. Use our Compare Accounts page to see side-by-side differences, or talk to a banker at your local banking center.
Q3. What do I need to open a checking account?
A. To open a personal checking account, you generally need a valid government-issued photo ID (driver’s license, state ID, or passport), your Social Security number, proof of address, and an opening deposit. You can open an account online or in person at any Community National Bank & Trust banking center.
Q4. Can I open a checking account if I’m under 18?
A. Yes. Student Checking is designed for younger account holders and requires a parent or guardian as a joint owner for those under 18. It comes with no monthly service fee and is a great way to start building healthy money habits early.
Q5. Is there a monthly fee, and how can I avoid it?
A. Monthly fees vary by account type. Some accounts (like ePower Checking and Student Checking) have no monthly service fee. Others can have the fee waived by meeting requirements like maintaining a minimum balance, setting up direct deposit, or going paperless. Specific terms are listed on each account’s product page.
Q6. Do all checking accounts include online and mobile banking?
A. Yes. Every Community National Bank & Trust checking account includes free online banking, mobile banking, mobile check deposit, bill pay, and access to thousands of fee-free ATMs. You also get a Visa debit card and the option to add card controls through our Card Suite Pro app.
Q7. What’s the difference between a checking account and a money market account?
A. A checking account is built for everyday spending and bill paying with unlimited transactions. A money market account is more savings-focused and generally pays higher interest in exchange for a higher minimum balance and limits on certain withdrawal types per month. If you want check-writing privileges plus better interest than a standard savings account, our Money Market Account splits the difference.
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