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Personal Checking

Find the right account for you, compare our personal checking accounts. 

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

OPEN A PERSONAL CHECKING ACCOUNT ONLINE

ClickSWITCH

Now you can easily move recurring payments and direct deposits to a new account at CNB Bank & Trust, N.A - all with the click of a mouse. With ClickSWITCH® account information is transferred instantly, It’s fully automated, convenient and as little as 10 minutes. An activation code is required. Contact your account representative to be issued an activation code.

Learn More About ClickSWITCH Switch your account NOW!


Which account is right for you?

Premium Checking

Do you keep a minimum balance of $1,500?

  • 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 service charge.


Gateway Checking

Do you have a cell phone or look for deals when you shop?

  • 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

Do you want to earn a great interest rate?

  • 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 service charge.


Welcome Checking

Do you want a low-cost account with basic benefits?

  • 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 service charge. We’ll also waive the fee for Seniors 60+.


*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.

Balance Your Account

To help you balance your account here is our account balancing sheet.



Welcome Checking for Students - NEW!

*Please visit one of our convenient branch locations to open an account.

Does your student need a checking 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 service charge 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: Service charge waiver will be removed and the account will have the same requirements as Welcome Checking.

Balance Your Account

To help you balance your account here is our account balancing sheet.

Welcome to CNB Bank & Trust

To better serve you, please tell us where you are located:

  • Set Central Illinois my location
  • Set Chicago my location
  • Set St. Louis my location

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