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Personal Checking Accounts

Find the right personal checking account for you.

CNB Bank & Trust, N.A. understands that not everyone uses checking accounts the same way - that's why we offer a variety of personal checking account options designed to meet your individual financial style. Whether you need a checking account for students or an interest-bearing account, you'll also receive a number of additional services just for banking with us!

Premium Checking

powered by BaZing

Great benefits PLUS interest on your balance.

OPEN ACCOUNT
  • Anywhere Banking Tools
    Online banking, mobile banking, bill pay, debit card and eStatements.
  • Shop local, save local with BaZing savings
    Local discounts and national retailer deals to save you money on shopping, dining, travel and more.
  • Cell phone protection *1,2
    Receive up to $400 per claim ($800 per year) if your cell phone is broken or stolen.
  • ID theft aid *1,2
    Includes payment card fraud resolution, $2,500 in personal identity theft benefit and identity restoration.
  • Roadside assistance
    Available 24/7 and free to use, up to $80 in covered service charges.
  • $10,000 travel accidental death coverage
    Peace of mind for the unexpected.
  • Pharmacy, vision, and hearing savings
    Save money on prescriptions, eye exams, frames, lenses and hearing services.
  • Great interest on your checking balance
    Competitive checking rate.

Maintain a $1,500 minimum balance, and we’ll waive the $8 monthly minimum balance fee.

Gateway Checking

powered by BaZing

Benefits to make the most of your spending.

OPEN ACCOUNT
  • Anywhere Banking Tools
    Online banking, mobile banking, bill pay, debit card and eStatements.
  • Shop local, save local with BaZing savings
    Local discounts and national retailer deals to save you money on shopping, dining, travel and more.
  • Cell phone protection *1,2
    Receive up to $400 per claim ($800 per year) if your cell phone is broken or stolen.
  • ID theft aid *1,2
    Includes payment card fraud resolution, $2,500 in personal identity theft benefit and identity restoration.
  • Roadside assistance
    Available 24/7 and free to use, up to $80 in covered service charges.
  • $10,000 travel accidental death coverage
    Peace of mind for the unexpected.
  • Pharmacy, vision, and hearing savings
    Save money on prescriptions, eye exams, frames, lenses and hearing services.

$6 monthly service charge.

Elite eVantage Checking

An online and mobile banking solution with great interest.

OPEN ACCOUNT
  • Anywhere Banking Tools
    Online banking, mobile banking, bill pay, debit card and eStatements.
  • To receive premium interest and ATM refunds of up to $12, you must do the following each month:
    • Use debit card for 10 or more POS purchases
    • Have 1 recurring direct deposit or 1 recurring ACH debit or use Bill Pay instead
    • Access Online Banking at least once during the statement cycle
    • Have a valid email address to receive the required eStatements

Maintain a $200 minimum balance, and we’ll waive the $7 monthly minimum balance fee.

Welcome Checking

A low-cost account with the basics.

OPEN ACCOUNT
  • Anywhere Banking Tools
    Online banking, mobile banking, bill pay, debit card, and E-Statements.

Maintain a $100 minimum balance, and we’ll waive the $7 monthly minimum balance fee. We’ll also waive the fee for Seniors 60+ and for Students age 16 thru 22.

Welcome Checking for Students - NEW!

Does your student need a checking account?


OPEN ACCOUNT
  • Anywhere Banking Tools
    Online banking, mobile banking, debit card and E-Statements; Bill Pay and Mobile Deposit available if age 18+
  • Opening deposit $100
  • Minimum balance requirement and monthly minimum balance fee are waived when primary account holder is 16 through 22 years of age 
  • E-Statements are required
  • Overdraft Privilege available for account holders 18+
  • Age 16 - 18: Must have an adult as joint account holder
  • Age 23: Minimum balance fee waiver will be removed and the account will have the same requirements as Welcome Checking.

ClickSWITCH

Transfer all of your recurring payments and direct deposits to your new account with one click.
Learn More About ClickSWITCH

Switch NOW

Mobile Banking App

Safe, secure and convenient banking, anytime and anywhere from any mobile device with browsing or texting ability.

Download for iOS 

Download for Android

Card Manager App

Receive text or email alerts, check your account balance, turn your card off and on, and find nearby ATMs.

Download for iOS 

Download for Android

Mobile Check Deposit

Deposit checks anytime, anywhere using your
camera-enabled mobile device.*3 

Sign Up NOW



*1 Cell phone protection and personal identity theft benefit are subject to additional terms and conditions.
*2 Insurance products are: NOT A DEPOSIT. NOT FDIC INSURED. NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY. NOT GUARANTEED BY THE BANK.

*3 Mobile check deposit requires approval before becoming active.


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