Bank With CNB

  • Bank With CNB

Your Local Bank for Personal and Business

At CNB Bank & Trust, we’re here for every stage of your financial journey. From everyday checking to tailored business solutions and long-term wealth management, our team provides the tools, guidance, and personal service you need to move forward with confidence.

Personal Banking

Man and woman looking at finances on computer

Personal Checking Accounts

Designed for everyday life, our personal checking accounts make banking simple and convenient. Enjoy easy access to your money, modern digital tools, Bazing® Benefits for Premium and Gateway Checking, and the security of a trusted community bank.

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Business Banking

Woman looking at finances on computer

Business Checking Accounts

Built for businesses of all sizes, our checking solutions keep your finances organized and accessible. Enjoy flexible features that make managing cash flow simple, while giving you the tools to grow with confidence.

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Don't Miss Out on BaZing® Benefits on
our Premium and Gateway Checking Accounts

Enjoy everyday savings and added protection when you bank locally with CNB. BaZing® benefits are included with Premium Checking and Gateway Checking, and you can access them in the free BaZing® app.

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Treasury Management Solutions for Your Business

At CNB, we know your business needs more than a bank; you need tools that help your cash keep up. Our Treasury Management services are designed to give you control, protect against risk, and free up time so you can focus on what you do best.

  • Streamlined Payments & Disbursements: ACH and same-day wire transfers let you handle payroll, vendor payments, and urgent transfers without delay.
  • Improved Receivables: Remote deposit capture, mobile deposits, and ACH collections make getting paid faster and easier.
  • Fraud Protection: Tools like Positive Pay for checks and ACH help you catch unauthorized or altered transactions before they become a problem.
  • Liquidity Optimization: Zero-balance accounts (ZBA), cash sweeps, and ICS/CDARS options help reduce idle cash and increase earnings while maintaining flexibility.

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Wealth Management*

Managing wealth is more than numbers, it’s about protecting what you’ve built and planning for what’s next. At CNB, our Wealth Management Group offers personalized guidance and professional expertise to help you reach your financial goals.

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*Wealth Management Group products are: not a deposit, not FDIC insured, not insured by any federal government agency, not guaranteed by the bank, and may go down in value.

Frequently Asked Questions

Who is CNB Bank & Trust, N.A.?

We are CNB Bank & Trust, N.A., a community-focused bank with roots that trace back to 1854. With multiple branch locations across Illinois and eastern Missouri, we’re proud to serve individuals, families, businesses, and farmers with a full suite of financial services.

Our offerings include personal and business banking, lending, treasury management, wealth management, trust and estate services, farm and land management, and insurance solutions.

What sets us apart is our commitment to people. We believe banking should be simple, trustworthy, and personalized. Decisions are made locally, service is delivered by familiar faces, and our dedication to community involvement runs deep.

At CNB, we’re more than a bank: We’re your financial partner, here to help you move forward with confidence.

Where is CNB Bank & Trust, N.A. Located?

We have 18 branch locations throughout Illinois and Missouri. Please view our Branch Locator Tool to see which CNB branch is closest to you. 

How do I open an account?

To open an account, please visit one of our 18 branch locations and one of our Universal Bankers would be happy to assist you. Please view our Branch Locator Tool to see which CNB branch is closest to you. 

What kind of customer support does CNB Bank and Trust, N.A. offer for checking account holders?

We offer comprehensive customer support for our checking account holders, including in-person assistance at branches, telephone support, and assistance through our website's Digital Assistant.

Can I get overdraft protection with my checking account?

Yes, we offer overdraft protection services. One option is to arrange to have funds automatically transferred from another CNB Bank & Trust, N.A. deposit account to cover the overdraft in your checking account. Even if you have this Overdraft Protection option, or if it is exhausted, another option available is our Overdraft Privilege, which allows you to overdraw your checking account up to a disclosed limit. Fees and terms apply, so please refer to our Overdraft Coverage Options disclosure on our website under Overdraft Services.

Please Select Your Local Branch

Branches
  • Alton
  • Brighton
  • Carlinville
  • Carrollton
  • Chapin
  • Clayton, MO
  • Edwardsville / Glen Carbon
  • Hillsboro
  • Jacksonville
  • Jerseyville
  • Litchfield
  • Oak Forest
  • Palos Heights
  • Pittsfield
  • Taylorville
  • Tinley Park
  • Virden
Please select a branch.
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