Apply Now Whether it's a checking account with a lot of features and benefits or one with no frills and no monthly fee, CNB has an account to fit your needs. And at CNB, we're committed to providing you with value – that's why we offer FREE ONLINE BANKING* and FREE BILL PAY with all of our checking accounts! (*One time setup fee with Free Checking account.) Once you find the account that best suits your needs, click here to apply today!

Free Checking EZ Banking Student Checking Regular Checking Senior Checking Super Checking Premium Checking Minimum balance to open account $100 $100 $25 (must be at least 16 yrs of age) $100 $100 (for those 55 or older) $100 $5,000 Minimum balance to avoid service charge $0 $0 $0 $600 $500 $1,000 $5,000 Free Online Banking with Free Bill Pay Yes Yes Yes Yes Yes Yes Yes Free Automated Account Access UNLIMITED 24 / 7 AUTOMATED TELEPHONE INQUIRY & TRANSACTIONS Interest bearing account ------- ------- ------- ------- Yes - with minimum balance Yes - with minimum balance Yes - tiered with minimum balance MasterMoneyTM Debit Card Advantage UNLIMITED PURCHASE TRANSACTIONS ATM Edge Free at CNB ATMs Free at CNB ATMs + 4 FREE Non-CNB ATM withdrawals per month Free at CNB ATMs + 2 FREE Non-CNB ATM withdrawals per month Free at CNB ATMs Free at CNB ATMs Free at CNB ATMs Free at CNB ATMs + 5 FREE Non-CNB ATM withdrawals per month Overdraft Privilege* $400 $500 $0 $600 $600 $600 $2,500 Overdraft Transfer Not Available Yes - $5 per transfer Not Available Yes - $5 per transfer Yes - $5 per transfer Yes - $5 per transfer Yes - FREE Monthly service charge None None None until age 22 -- then $5 $2 with direct deposit -- $6 without direct deposit None with direct deposit -- $5 without direct deposit $8 $20 Transaction Fees (If minimum balance required is not maintained) None $0.50 per check over 5 per statement cycle (regardless of balance) None $0.25 per check over 20 per statement cycle None $0.25 per check over 20 per statement cycle None Other Benefits Images of cancelled checks & deposits retained by CNB Images of cancelled checks & deposits retained by CNB Images of cancelled checks & deposits retained by CNB; FREE first 50 CNB duplicate checks Images of your checks included in your statement 1 FREE box CNB checks per yr.; Discount on first year Safe Deposit Box rental; FREE Notary service; Images of your checks included in your statement Discount on first year Safe Deposit Box rental; FREE Notary service; Images of your checks included in your statement 1 FREE box CNB checks per yr.; FREE small safe deposit box for 1 year; Discount on Smart-up benefits; FREE Notary service; FREE incoming wires; Images of your checks included in your statement *This feature is automatically available on our personal checking accounts (except Student Checking) after the account has been open for 30 days and has not had any insufficient items during that 30 - day period. There is no monthly fee for this service. There is a fee of $29.00 (subject to change) for each overdraft created by check, in-person withdrawals, ATM withdrawals, auto transfer withdrawals or other electronic means. Whether your overdrafts will be paid is discretionary and we reserve the right not to pay. For example, we typically do not pay overdrafts if your account is not in good standing or if you have too many overdrafts. In order to keep your overdraft privilege, your account must have a positive balance at least once every 30 days. Smart Up! any checking account for only $4 per month. This gives you a package of valuable services and discounts.