e-ssentials

With the e-ssentials plan, you can bank whenever, wherever.

Key Benefits

• Non-CNB ATM surcharge rebates
• Chexmate overdraft protection*
• Free companion savings account
• Free online bill payment services
• Free online check images
• Identity Theft Protection
• Discount Travel Services (ACTIVATE membership)

e-ssentials Specific Account Terms

Monthly maintenance fees	With direct deposit and 3 direct debits: $0 With direct deposit or 3 direct debits: $3 With check image safekeeping: $6
Monthly check writing fees	0-15 checks: $0 Over 15: $0.50/check
Companion savings account	Companion Savings Account with no monthly maintenance fee available. Companion Savings Details
Check orders	Cost for check printing varies depending on the style of check ordered.
Check Imaging	Free online images of the front and back of all checks cleared during the statement period. Additional Check Imaging information and options.
Online banking	Available free
CNBillPay®	Pay your bills online with no monthly service or transaction fees. CNBillPay® Details
Overdraft protection	A ChexMate overdraft protection line of credit is available with this account, subject to credit approval. ChexMate Overdraft Details
Debit/ATM Card	Free ATM or MasterMoney debit card (subject to approval). ATM/Debit Card Details
Automatic Teller Machine (ATM) Access	Use of CNB ATM is free. For non-CNB ATM transactions, up to two (2) terminal usage fees will be credited to your checking account per month with a value of $2.00 per use (a maximum value of $4.00 per month).
CNB Insurance Agency Discount	Receive up to 5% discount on Property/Casualty insurance from CNB Insurance Agency with electronic premium payment from your e-ssentials checking account.
NYS Basic Banking Account	The e-ssentials plan with direct deposit meets the NYS Basic Banking Account requirements for our communities.
Travel benefits	Discount travel services available. Travel Discounts Details ACTIVATE membership
Identity Theft Protection Services	Identity Theft Center- Set Fraud Alerts Order & Monitor Credit Reports Reduce Junk Mail Organize and Secure Personal Information Activate Restorative Services  Sign-up here -   Identity Protection & Restoration Services

* Subject to credit approval.

Additional Account Information & Terms