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Now Available: Deposit checks using your phone! If you use Mobile Banking, you are now able to deposit checks into your account simply by taking a picture of it. Learn more.

Checking Options and Benefits

Accounts

Go Anywhere Checking
Do your banking anytime, from anywhere, plus no ATM fees.

Free Checking
No minimum balance or direct deposit requirements.

Select Checking
For those age 50 and up. Offers free checks.

Performance Checking
For those with a combined loan and/or deposit balance of $25,000 or more. Perfect for the homeowner.

Optima Checking
For those with a combined relationship balance of $125,000 or more, including loans, deposits and/or investments.

Student Checking
For ages 14-18. Requires parent's co-signature. Online, mobile and checkcard access.

Go Anywhere Checking
Free Checking
Select Checking
Performance
Optima
Statement Type Electronic Statement Electronic Statement Electronic Statement (E) or Safekeeping Statement (S) Electronic Statement Electronic Statement or Safekeeping Statement
Opening Balance $50 $50 $50 $50 $50
Minimum Balance to Waive Service Fees1 $400
Average Daily Balance
No Minimum Balance Required E - $0; S - $2,500
Average Daily Balance
$25,000 Relationship Balance
(Deposits & Loans)
$125,000 Relationship Balance
(Deposits, Loans & Investments)
Monthly Service Fee $10 No Monthly Service Fee E - $0; S - $56 $15 $20
Minimum Balance to Earn Interest2 N/A $7,500 $2,500 $2,500 $2,500
Account Activity - Checks Unlimited 25 checks per month maximum 25 free per month then 25¢/check 50 free per month then 25¢/check Unlimited
Account Activity - Electronic (Online, CheckCard, ATM) Unlimited Unlimited Unlimited Unlimited Unlimited
CheckCard5 Available Available Available Available Available
Foreign ATM Use No CNB Charge No CNB Charge No CNB Charge No CNB Charge No CNB Charge
Direct Deposit Free Free Free Free Free
Online Banking Free Free Free Free Free
Bill Payment Free Free Free Free Free
Notary Service Free Free Free Free Free
FREE Checks N/A N/A One free box of Specialty Checks per year or 50% discount Free Choice One free box of Specialty Checks per year or 50% discount
Visa Credit Card with Rewards3 Classic Classic Classic Preferred Visa Platinum Visa
Overdraft Privilege4 Available Available Available Available Available
ID Theft Protection5 Available Available Available Available Available
Safe Deposit Box5 Available Available Available Free Choice Free
Cashier's Checks5 Available Available Available Free Free
ADDITIONAL SERVICES Unlimited Foreign ATM Withdrawal Fees Refunded N/A N/A Choose 2:
- Safekeeping Statement
- One free box of Specialty Checks per year or 50% discount
- Foreign ATM Withdrawal Fees refunded up to 5 times a month
- Point of Sale PIN Fee Waived
- Free Safe Deposit Box
Included:
- Foreign ATM Withdrawal Fees refunded up to 5 times a month
- Point of Sale PIN Fee Waived
- Buy back checks from other bank (up to $10 value)

1Certificates of deposit are not included in Relationship Balances. 2Rates are tiered. See Rate Charts. 3Subject to credit approval. 4Subject to program terms. 5Fees may apply. 6Customers age 50 and older may have their monthly service fee waived by choosing Direct Deposit of income and benefits checks.

Download checking brochure

Options and Benefits
Overdraft Privilege Policy
Overdraft Privilege Opt In Form
You must opt in to allow overdrafts on ATM and point of sale transactions
Direct Deposit
Visa® CheckCard
FraudGuard
Check fraud protection
Statement Options
Enroll for eStatements
How to Balance Your Checkbook
Funds Availability Policy
Order Checks
Elite Checking
A Personal Checking Account for Business Owners
business man

SPECIAL OFFER:
- 6 month intro rate
- free use of foreign ATMs
- platinum Visa® credit card

FREE Gift with Checking
Receive a free gift just for opening any new checking account.

Gifts change quarterly. deluxe travel duffle bag
Deluxe Travel Duffle Bag*

*Available while supplies last. If unavailable a gift of comparable value will be provided.

More Information
To learn more about our checking and savings options, call:
1-800-448-0025
Mon. - Fri. 8:30 am - 5 pm EST
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