Optimum

In addition to being assigned a dedicated Personal Banker, the Optimum Checking Account offers our most valued customers many other great benefits.

Key Benefits:

Personal Banker

• Dedicated and assigned to you
• Free financial planning
• Helps you to make smart choices about your financial future

Financial Plans

• Advice on Retirement, Education, and more
• Life insurance and Estate planning
• Portfolio building

Free Online Banking

• Free CNBillPay® online bill paying services
• Access to CNBanker Voice (access accounts 24 hours a day by phone)
• Check images returned *
• Check image safekeeping (listing of all cleared checks during the statement period) *

ATM Fee Reimbursement

• Any bank, anytime, anywhere
• No transaction fees at CNB or non-CNB ATMs
• Non-CNB ATM surcharge rebate
• ATM terminal usage fee rebate (up to 4/month ($2/use, $8 value))
• Free ATM card or MasterMoney™ debit card (subject to approval)

Sweep Feature

• Free companion savings account (Optimum Money Market or Savings account)
• Automatically transfers funds between accounts to maximize interest

Bonus Rates

• Higher rates on deposits
• Discounts on consumer loan rates and home equity lines of credit
• CNB Insurance Agency Property/Casualty Premium Discount (up to 15% with electronic payment from your Optimum checking account)
• Preferred Money Market and CD rates (up to 15%)
• 0.50% consumer loan discount with electronic payment from checking account (1 discount per loan)
• No fee for Bank or Money Orders
• No fee for traveler’s checks

$150 Mortgage Credit

• At closing on a consumer mortgage

Optimum Club Membership

• Free identity theft protection and restoration services
• Social events (including escorted travel events)
• Unlimited check writing
• Complimentary safe deposit box (1 year or equivalent value towards an upgrade)
• Airline, auto rental, and hotel discounts (ACTIVATE membership)

Overdraft Protection

• ChexMate overdraft protection available, subject to credit approval
• Automatically deposits loan advances, in multiples of $100 into your account when needed (notified by mail, when activated)
• Monthly ChexMate account statement with checking account statement

Optimum Specific Account Terms

Monthly maintenance fees	With Check Image Safekeeping or Check Images Returned:   $15 With Minimum Average Daily Balance in Combined Deposit/Loan Accounts of $20,000 or Other Investment Relationship:   $0
Monthly check writing fees	$0
Companion savings account	Companion Savings Account with no monthly maintenance fee available. Companion Savings Details
Check orders	All orders of custom CNB checks are FREE. Equal credit may be applied toward alternate style of your choice.
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 ATMs is free. For non-CNB ATM transactions, up to four (4) terminal usage fees will be credited to your checking account per month with a value of $2.00 per use (a maximum value of $8.00 per month).
CNB Insurance Agency Discount	Receive up to 15% discount on Property/Casualty insurance from CNB Insurance Agency with electronic premium payment from your Optimum checking account.
Loan Discount	Consumer loan discount of .50% with electronic payment from CNB Optimum Checking Account. Loan discounts limited to one discount per loan. Consumer Mortgage credit of $150 at closing for first-lien position on accountholder's primary residence. Limit one per life of loan.
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