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You > Checking

Compare Checking Accounts

 Benefits Traditional
Easy, convenient, and reliable.

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Anytime. Anywhere.

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Maximize your money.

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No monthly maintenance fee with(1) average daily balance of $500; OR age 55 and older or 21 and younger direct deposit AND e-statements Freddie Mac Mortgage minimum balance; OR combined deposit and loan or investment relationship
Check Image Safekeeping
No transaction fees at CNB ATMs
No transaction fees at Non-CNB ATMs -
Rebate of terminal usage fees incurred at Non-CNB ATMs - Up to 2/month ($5 value) Up to 4/month ($10 value)
Unlimited check writing -
Consumer Loan discount with electronic payment from CNB checking account(1) 0.25% 0.25% 0.50%
One Companion Savings Account with no monthly maintenance fee -
One Money Market Account with no monthly maintenance fee - -
Optimum Sweep Feature - -
$150 mortgage credit at closing(2) - -
Checking with interest - -
Preferred CD and Money Market rates - -
Free CNB custom checks or equal value toward style of your choice - -
Complimentary small safe deposit (1 year) or equivalent value toward an upgrade - -
No fee bank and personal money orders - -
Optimum Club Membership - -
Dedicated Personal(3) Banker - -
No fee Targeted Financial(3) Plans - -
Available for all CNB Checking Accounts      
Chexmate Overdraft Protection*
ATM/Debit Card**
Courtesy Limit Plus
Online Banking
Mobile Banking App
CardValet® Mobile App
CNBanker™ Voice
CNBudget Central

*Subject to credit approval.

**Subject to approval.

(1) Specific account terms. Traditional. A monthly maintenance fee will be charged on every statement date if the average daily balance in this account for the statement period falls below $500. With check image safekeeping $6. With check image return $8. Customers 55 years and older or 21 years and younger $0.

e-ssentials. A monthly maintenance fee will be charged on every statement date in accordance with the following: with direct deposit AND e-statement - $0, with direct deposit OR e-statement - $3, no direct deposit or estatement - $8. For each check over 15 processed monthly, there will be a per check charge of $.50.

Optimum. A monthly maintenance fee of $18.50 will be charged on every statement date if the following balance requirement is not met. A minimum outstanding Freddie Mac Mortgage balance of $150,000, or a minimum combined balance in CNB accounts for the statement period of $20,000. The combined balance for the Optimum Account is the average daily balance in Checking, Savings, Money Market, Certificates of Deposit, and Basic Business Checking; and the outstanding balance for auto loans , CNB in-house mortgage loans, personal loans , home equity loans or lines of credit, a Wealth Strategies Group or a Genesee Valley Trust relationship, or a qualified Online Brokerage Services (OBS) account.

Balances will be combined based on the Tax Owner for the Optimum Account and any qualified, related account(s) in which they are either a Tax Owner or Non-Tax Owner on the other account(s).

The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period.

Consumer loan discount of .25% with electronic payment from a CNB checking account. An additional loan discount of .25% with a CNB Optimum Checking Account. Maximum loan discount with Optimum Checking Account and electronic payment is .50%. Loan discounts limited to one discount per loan.

(2) Consumer mortgages only.

(3) Investment Advisory Services are offered through OBS Financial Services, Inc., a Registered Investment Advisor with the SEC. Investments are not bank deposits, are not obligations of, or guaranteed by Canandaigua National Bank & Trust, and are not FDIC insured. Investments are subject to investment risks, including possible loss of principal amount invested.

(†) Our e-ssentials plan with direct deposit meets the NYS Basic Banking Account requirements for our communities.