Personal Banking

Regular Checking

• $300.00 minimum balance.
• Minimum opening balance of $100.00.
• Unlimited checks.
• $4.00 service charge if balance falls below minimum.
• Free debit card.*

CNB Free Checking

• No minimum balance.
• Minimum opening balance of $100.00.
• No service charges.
• Free debit card.*
• First order of CNB Free checks.  Subsequent orders free with direct deposit.

Fabulous Fifties Plus

• Must be age 50 or older.
• Minimum opening balance of $500.00.
• Free bank checks or $7 credit toward alternate check style.
• No service charge.
• ¼% rate increase for 18 month CD.
• Unlimited checks per month.
• Free debit card.*
• Free Cashier checks and Travelers Checques.
• Choice of Fabulous Fifties imprinted above signature line.
• 10% discount on safe deposit box

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Youth Performance Checking

• Opening balance of $25.00.
• Guardian or parent co-owner for minor.
• Must be 18 or under or full time student.
• No service charge.
• Overdraft protection available from guardian or parent.
• First check order free – $7.00 credit toward future purchases.

Freedom Interest Checking

• $500.00 minimum balance.
• Opening balance of $100.00.
• $7.00 service charge if balance falls below minimum.
• Unlimited checks.
• Free Debit Card*.
• Tiered/Variable rates:
• $500 - $2,499
• $2,500 - $24,990
• $25,000 – up

* Generally, account must establish a 90 day history without overdraft occurrences before Debit Card will be ordered.

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CNB Club

• Contributions in $5.00 increments.
• Automatic account payment:  weekly, bi-weekly, or monthly.
• Club checks issued 1st Monday of November.
• Interest paid annually.
• $20.00 early withdrawal fee.

Statement Savings

• $100.00 minimum balance.
• Opening balance of $200.00.
• 3 withdrawals allowed per month; $2.00 fee per withdrawal over 3.
• Service charge - $3.00 per month below minimum balance.
• $15.00 fee for account closed within 90 days.
• Interest paid quarterly.

Youth Performance Savings

• $100.00 minimum balance.
• Opening balance of $100.00.
• Must be 18 or under or full time student.
• 3 withdrawals allowed per month; $2.00 fee per withdrawal over 3.
• Service charge - $2.00 per month below minimum balance.
• $15.00 fee for account closed within 90 days.
• Interest paid quarterly.

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American Money Market

• $1,000.00 minimum balance.
• Opening balance of $100.00.
• $7.00 service charge if balance falls below minimum.
• 6 debits, 3 of which may be third party checks, allowed per month; $5.00 per debit item over 6.
• Interest paid monthly.
• Tiered/Variable rates:
• $1,000 - $9,999
• $10,000 - $49,999
• $50,000 - $99,999
• $100,000 - up

All Certificates of Deposit (CD) have:

• $500.00 minimum balance.
• Interest paid quarterly with alternate methods of payment available.
• Withdrawal penalty of 1 month interest for terms of 12 months or less.
• Withdrawal penalty of 6 months interest for terms of greater than 12 months.

CD Products

• 3 month
• 6 month
• 12 month
• 18 month
• 18 month Fabulous Fifties Plus
• 24 month
• 30 month
• 36 month
• 48 month
• 60 month

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All Individual Retirement Accounts (IRA) have:

• $500.00 minimum balance.
• Interest paid quarterly.
• Withdrawal penalty of 1 month interest for terms of 12 months or less.
• Withdrawal penalty of 6 months interest for terms of greater than 12 months.

IRA Products

• 6 month
• 12 month
• 18 month
• 24 month
• 30 month
• 36 month
• 48 month
• 60 month

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