Deposit when you want, spend all you need

Enjoy the freedom of an account with no minimum balance requirement

Benefits You’ll Love

  • No minimum balance requirement
  • Deposit as much or as little as you prefer
  • Make manual transfers between accounts an aspect of the past
  • Conveniently transfer excess funds into other CNB&T accounts
Reward Checking CalculatorDisclaimer

Use this calculator to determine your projected earnings from our Reward Checking account. Move the sliders or type in the numbers to see your potential rewards.

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  • Estimated monthly interest earned* $0
  • Monthly ATM fees refunded**$0
Buy vs. Lease CalculatorDisclaimer

This calculator compares the costs of buying or leasing a vehicle. There are three sections to complete, and you can adjust and experiment with different scenarios.

1. Vehicle Info
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2. Loan Details
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3. Lease Details
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CD CalculatorDisclaimer

A fixed-rate, fixed-term CD can earn higher returns than a standard savings account. Use this calculator to get an estimate of your earnings. Move the sliders or type in numbers to get started.

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  • Total interest earned $0
  • Annual Percentage Yield (APY)0.000%
Savings Goal CalculatorDisclaimer

Whether it's a down payment, college, a dream vacation...a savings plan can help you reach your goal. Use the sliders to experiment based on length of time and amount per month.

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Simple Loan CalculatorDisclaimer

This calculator can help you get a general idea of monthly payments to expect for a simple loan. Move the sliders or type in numbers to get started.

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  • Total paid $0
  • Total interest paid $0

Certificates of Deposit

Certificate Term Interest Rate **APY
9 Month CD Special 4.090% 4.15%
13 Month CD Special 3.290% 3.33%
24 Month Bump Special 3.110% 3.15%
27 Month CD Special 3.030% 3.06%

$1000.00 minimum deposit required. Substantial penalty may be charged for early withdrawal. Interest is compounded quarterly.

**Annual Percentage Yield. Fees imposed could reduce earnings.

ePower Checking

**** Balance ***Interest Rate Depending on the balance in your account the Annual Percentage Yield (APY**) will:
Up to $25,000.00 1.400% equal 1.41%
$25,000.00 - $1,000,000 0.150% range from 1.51% to 0.18%
If ePower account requirements are not met 0.100% equal 0.10%

****To earn the power rate, perform the following each cycle: 1. Have 12 Debit Card Transactions post and clear the account. 2. Have at least One Direct Deposit or ACH auto debit post and clear the account. 3. Enroll and receive electronic statements. We may change the interest rate and APY at any time after the account is opened. No Minimum Balance Required. However you must deposit a minimum of $100 to open this account. Available to Personal Accounts only. No monthly service charge. **ATM refunds up to $25 per cycle if requirements are met. † Other fees may apply.

**Annual Percentage Yield. Fees imposed could reduce earnings.

*** Variable Rate Accounts: Rate may change after account is opened.

PLEASE CONTACT OUR ACCOUNT REPRESENTATIVE AS OTHER TERMS AND CONDITIONS MAY APPLY

Guardian Secure Checking

Balance ***Interest Rate Depending on the balance in your account the Annual Percentage Yield (APY**) will:
Up to $25,000.00 1.400% equal 1.41%
Over $25,000.00 0.150% range from 1.51% to 0.18%

**Annual Percentage Yield. Fees imposed could reduce earnings.

*** Variable Rate Accounts: Rate may change after account is opened.

$100 minimum deposit to open

$4.95 Monthly Service charge

PLEASE CONTACT OUR ACCOUNT REPRESENTATIVE AS OTHER TERMS AND CONDITIONS MAY APPLY

Platinum Savings Account

Balance ***Interest Rate ** APY
Below $5,000 0.150% 0.15%
$5,000.00 to $24,999.99 1.900% 1.91%
$25,000 to $49,999.99 1.900% 1.91%
$50,000 to $99,999.99 1.900% 1.91%
Balance over $99,999.00 1.900% 1.91%

Minimum Deposit $5,000

**Annual Percentage Yield. Fees imposed could reduce earnings.

*** Variable Rate Accounts: Rate may change after account is opened.

PLEASE CONTACT OUR ACCOUNT REPRESENTATIVE AS OTHER TERMS AND CONDITIONS MAY APPLY