Checking & Savings

See Why It's Our Most Popular Account.

ClassicBlue Checking

• Free for Students and Seniors. FREE account for students under the age of 25 (after 25 the waiver is removed); and seniors 62 years of age or older.
• Open with $50.
• Free CNB Debit Card and no ATM fees  We won't charge you for using another bank's ATM, and we'll even refund the fees they charge you up to $10 per month automatically. Other charges may apply such as Returned Item/Overdraft and third-party ATM fees.
• No monthly maintenance fee Service charge is waived if one of the following criteria is met: Have 10 CNB Debit Card point of sale swipes per month or have a recurring direct deposit of $100 or more. (The 10 debit card swipes and recurring direct deposit must post and settle to your account during the month.) Be a student under the age of 25 (after 25, the waiver is removed). Maintain a minimum balance of $500. Be 62 years of age or older. A $5 maintenance fee will be charged if one of the criteria isn't met.
• Bank anywhere, anytime with just your smartphone.

Keep Your Identity Safe.

PremierBlue Checking

• Free ID Theft Protection Package monitors your credit 24/7 and protects you in case somebody steals your identity.
• Earn interest on balances $2,000 or greater. Interest tiers: $2,000 to $4,999.99; $5,000 and greater. Interest is paid on the full balance in the account each day the minimum balance is $2,000 or greater. If the balance falls below $2,000, interest is not earned that day.
• Open with $50 and pay no monthly maintenance fee. When you maintain a minimum balance of $2,000 during the month or an average balance of $2,500, you'll pay no monthly maintenance fee. If requirements aren't met a monthly maintenance fee of $8 will apply.
• Free CNB Debit Card Other charges may apply such as Returned Item/Overdraft and third-party ATM fees.  and no ATM fees We won't charge you for using another bank's ATM, and we'll even refund the fees they charge you up to $15 per month automatically. Other charges may apply such as Returned Item/Overdraft and third party ATM fees.
• Bank anywhere, anytime with just your smartphone.

Earn Interest by Simplifying Your Life.

HighYield Checking

• Earn premium interest rates on balances of $15,000 or more. Earn Premium Interest* Rates on balances up to $15,000 by simply:
  • Receiving a monthly direct deposit (or ACH debit) of $100 or more that posts and settles to your account during your monthly statement cycle,
  • Receiving your monthly statement electronically, AND
  • Making a minimum of 10 CNB Debit Card point-of-sale transactions that post and settle to your account during your monthly statement cycle.
  Standard interest rate applies to balances of $15,000 and over. *Fees may reduce earnings. If requirements are not met to earn premium interest rates, default rates will apply. Rates are set by CNB and are subject to change at any time.
• Open with $500 and pay no monthly maintenance fee.
• Free CNB Debit Card Other charges may apply such as Returned Item/Overdraft and third-party ATM fees.   and no ATM fees We won’t charge you for using another bank's ATM, and we’ll even refund the fees they charge you up to $25 per month with the transaction receipt upon customer request. Other charges may apply such as Returned Item/Overdraft and third party ATM fees.
• Bank anywhere, anytime with just your smartphone.

Save the Easy Way.

SmartBlue Savings

• Smart Savings Transfer is an effortless, secure, and smart way to save. For example: If you have two debit card transactions that post and settle to your account today, one for $24.16 and one for $333.42, the debits will post as usual. The next day a total round-up of $1.42 will be debited from your checking account and credited to your savings account. Where does the $1.42 come from? Rounding $24.16 up to $25 adds $0.84, and rounding $333.34 up to $334 adds $0.58. When the round-up amounts of these transactions are added together, they make up the $1.42. Ask your Personal Banker if you have additional questions about Smart Savings Transfer.
• No monthly maintenance fee, ever.
• No minimum deposit required. Only available for in-branch account opening. Smart Savings Transfer must be connected to your CNB Checking account at the time of opening the account. If the transfer is not set up, a $100 deposit will be required. For online accounts, a minimum balance of $100 is required to open the account. Balances of $100 or more earn 0.01% with an Annual Percentage Yield (APY) OF 0.01%. Interest will be compounded and paid to your account quarterly. If you close your account before interest is paid, you will receive the accrued interest. Rates are set by CNB and are subject to change at any time. Fees may reduce earnings.
• Free withdrawals or transfers Six free withdrawals or transfers at no charge per month. Withdrawals or transfers in excess of six are charged a $5 excessive withdrawal.
• Bank anywhere, anytime with just your smartphone.
• Get above-market interest rates and grow your balances fast.

Grow Your Balances with Above-Market Interest Rates.

HighYield Money Market

• Earns tiered interest based on your balance. Rates and balance tiers vary by market.
• Open with $5,000 Available to individuals only.  and pay no monthly maintenance fee on certain balances. No monthly maintenance fee on balances of $5,000 or more. A $15 monthly maintenance fee applies for balances below $5,000.
• Free withdrawals or transfers Money market accounts are limited to six withdrawals a month. You can make as many deposits as you want and get up to six withdrawals or transfers per month, free. Additional withdrawals are $5 each.

Take Advantage of a Fresh Start.

CleanSlate Checking & Savings

If you have trouble qualifying for a traditional account, our CleanSlate Program can help you reestablish yourself financially.