Compare Personal Checking Accounts

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  Free Checking Interest Checking WOW Checking* Checking Plus Stress Less Account
Minimum Balance None See below None None None
Check Writing Unlimited Unlimited Unlimited Unlimited Not applicable
Service Charges None $6.00/month if requirements are not met* None $8.00/month $5.00/month
Interest None Earn Interest Earn Interest None None
  • No CNB Bank fees on foreign ATM withdrawals for customers age 16-24
  • To avoid a service charge, one of the following must be met each statement cycle: $500 daily balance, Age 50+, or one direct deposit
  • Free ATM withdrawals anywhere in the U.S., if requirements are met
  • Cell Phone Protection
    • Credit Monitoring & Monthly Credit Score
  • Full Managed Recovery Advocate
  • $25k Identity Theft Expense Reimbursement (not available to NY residents)
  • No overdraft fees, dormancy fees or early closure fees
  • Electronic Statement (eStatement) encouraged - $2.00 fee if not enrolled
  • Checkless account; conduct transactions using debit card or online banking
Open Online Open Free Checking Now Open Interest Checking Now Open WOW Checking Now Open Checking Plus Now Not applicable
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eBanking with ePay and eStatement

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Mobile Banking

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Mobile check deposits

               Cell phones showing a transfer

Send and receive money quickly and easily with Zelle® 

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External transfers
(to your accounts at other financial institutions)

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Visa® debit card with reward points

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Mobile debit card controls

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Misplace your debit card? Deactivate it with a click.

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Free Withdrawals at over 25,000 ATMs nationwide.

*Qualify for WOW Checking easily by performing three simple steps each calendar month**:

  • 12 Visa check card purchase transactions must post to your account
  • Have one Direct Deposit or ACH Auto Debit
  • Enroll and receive eStatements through eBanking

                  **Monthly qualification period ends the last business day of the month

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