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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