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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!

Download and print a personal checking brochure and open an account below!

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.
  • Buyer's Protection and Extended Warranty *1,2
    Items are protected for up to $2,500 per item if theft or accidental breakage occurs during the first 180 days of purchase, using your BaZing checking account.
  • ID theft aid *1,2,3
    Includes identity restoration and payment card resolution, $25,000 personal identity theft benefit, credit monitoring and credit report, credit score and scoretracker, score simulator and identity monitoring.
  • Roadside assistance
    Available 24/7 and free to use, up to $80 in covered service charges.
  • Health Savings Card
    Save money on prescriptions, eye exams, frames, lenses and hearing services.
  • Cell phone protection *1,2
    Receive up to $800 per claim ($1,600 per year) if your cell phone is broken or stolen.
  • Shop local, save local with BaZing savings *4
    Local discounts and national retailer deals to save you money on shopping, dining, travel and more.
  • $10,000 accidental death coverage
    Peace of mind for the unexpected.
  • Billshark *3
    Let our team of experts negotiate your internet, TV, cell phone, and home security services on your behalf, or cancel subscriptions you no longer want or need.
  • 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.
  • Buyer's Protection and Extended Warranty *1,2
    Items are protected for up to $2,500 per item if theft or accidental breakage occurs during the first 180 days of purchase, using your BaZing checking account.
  • ID theft aid *1,2,3
    Includes identity restoration and payment card resolution, $10,000 personal identity theft benefit, credit monitoring and credit report, credit score and scoretracker, score simulator and identity monitoring.
  • Roadside assistance
    Available 24/7 and free to use, up to $80 in covered service charges.
  • Health Savings Card
    Save money on prescriptions, eye exams, frames, lenses and hearing services.
  • Cell phone protection *1,2
    Receive up to $600 per claim ($1,200 per year) if your cell phone is broken or stolen.
  • Shop local, save local with BaZing savings *4
    Local discounts and national retailer deals to save you money on shopping, dining, travel and more.
  • $10,000 accidental death coverage
    Peace of mind for the unexpected.
  • Billshark *3
    Let our team of experts negotiate your internet, TV, cell phone, and home security services on your behalf, or cancel subscriptions you no longer want or need.

$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:
    • Premium interest is only earned on balances up to the first $15,000.00. Any portion of the balance above $15,000 earns a lower APY
    • Use debit card for 10 or more POS purchases per monthly statement cycle
    • 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+.

Welcome Checking for Students

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+. Click here for details.
  • 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.

Money Market

Exchange limited transactions to earn even better interest

Contact a Universal Banker to open a Money Market account.

  • Limit of 10 transactions per month
  • Balances are based on the average daily balance per statement cycle.
  • A minimum deposit of $5,000 is required to open.
  • A minimum average daily balance of $0.01 must be maintained every statement cycle to obtain the disclosed Interest Rate / Annual Percentage Yield (APY).

Annual Percentage Yield (APY) and balance tiers are subject to change at any time at our discretion. Fees could reduce earnings on the account.

ClickSWITCH

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

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.*5 

Sign Up NOW

* DISCLAIMERS

1. Subject to the terms and conditions detailed in the Guide to Benefits.
2. Insurance products are: NOT A DEPOSIT. NOT FDIC-INSURED. NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY. NOT GUARANTEED BY THIS FINANCIAL INSTITUTION.
3. Credit and ID monitoring and Billshark require additional activation to begin.
4. Participating merchants on BaZing are not sponsors of the program, are subject to change without notice, may not be available in all regions, and may choose to limit deals.
5. Checks deposited after close of business will be applied to the account on the following business day.

Third Party Site Disclaimer

You are leaving CNB's website and will be redirected to another site. CNB makes no endorsement or claims about the accuracy or content of the information contained in these sites. The security and privacy policies on these sites may be different than CNB.

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