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Inform24 Telephone Banking
CNB Cash Sweep Account for Businesses
CNB Bank, Inc. Gift Cards
CNB Prestige Services
Safe Deposit Box
MasterMoney® Card
ATM/Debit Card Security Tips
Merchant Services
Direct Deposit
Reorder Checks
Savings Sweep Accounts
Bounce Protection
Direct Loan Payment
Other Services Available
Call Inform24 anytime day or night to obtain information
about accounts from a telephone. Call (304) 258-3000 or (888)
258-1520 to access:
- Checking and Savings accounts
- Loan accounts
- Certificates of deposit
- Current interest rates
- Funds Transfer options
Just follow the system instructions. You will be prompted to
select a confidential personal identification number (PIN), to
access your account in the future. Contact
your local branch or call (888) 258-1520 during regular business
hours for additional information about this service.
The CNB Cash Sweep Account is designed for all commercial accounts, including corporations, small businesses and nonprofit organizations. The account offers competitive money market rates and an added measure of security with FDIC insurance of up to $100,000 for each depositor.
With a CNB Cash Sweep Account, cash in excess of your target balance is automatically invested in an FDIC-insured money market account, ensuring competitive rates on all of your excess cash balances.
And if your end-of-day checking account balance falls below your target balance, funds will be automatically swept back to your checking account under an agency agreement with Reserve Management Corporation.
Because the sweeps to and from your checking account are automatic, there is no need for you to worry about managing your daily balances. There are no last-minute phone calls, no wire transfers, no transaction fees and no penalty fees.
With a CNB Cash Sweep Account, you not only maximize the return on your cash balances with ease and convenience, you also enjoy the safety of FDIC insurance.
Can’t think of a gift for your family or friends—purchase a CNB Bank, Inc. Gift Card. The Gift Card recipient can purchase exactly what they want! Gift Cards are Prepaid Cards loaded with a specific amount of funds, redeemable to buy goods and services anywhere Visa® debit cards are accepted. Gift Cards can be purchased in amounts ranging from $25 to $500. Gift Cards are not FDIC insured or connected in any way to any other account.
CNB Prestige is a special service for our customers age 50 or
better. The only requirement for membership is that you have a
deposit account with CNB and are at least 50 years of age. Benefits
of this special program include:
- No fees for travelers checks, money orders or cashiers
checks
- Free notary service
- Free annually one order of basic CNB checks
- Limited copy service at no charge
- Annual discount on safe deposit boxes
- Free CNB financial seminars
A Safe Deposit Box is a secure place to store important papers
and valuable items. The box is only accessible by you or your
designated representative. Please call or visit your local branch for more information.
A MasterMoney® Card is an automated teller machine (ATM)
card and a debit card all in one. A MasterMoney® Card may
be used to withdraw, deposit or transfer money from your checking
or statement savings account. A debit card works like an electronic
check and accesses only your checking account. You can use your
MasterMoney® MasterCard at millions of locations that accept MasterCard debit cards.
The money is immediately deducted from your CNB checking account. The MasterMoney® Card is not a credit card.
The MasterMoney® Card is available only to checking account
customers and is the property of CNB. Application
is subject to approval.
ATM withdrawals are free at any CNB ATM location. Charges apply for withdrawals at other ATMs.
- Memorize your personal identification number (PIN). Do not
write your PIN on your card or store it with the card.
- Do not reveal your PIN to anyone.
- Notify the bank immediately if your ATM or Debit Card is
lost or stolen.
- If you see anyone or anything suspicious while conducting
a transaction, cancel your transaction and leave.
CNB offers merchant services to businesses
that accepts or want to accept credit cards for payment. Through
our processor we can offer you competitive pricing, equipment
choices and personal service.
Sign up for direct deposit for your social security, retirement
or payroll checks. You won’t have to worry about stolen,
lost or undelivered checks. You know your money is in the bank with Direct Deposit.
CNB has teamed up with Harland, our check provider,
to provide you with a safe, reliable and convenient way of reordering
your existing checks online. For your safety, personal and account
information is never displayed on the screen. When your reorder
has been successfully completed you will receive a confirmation
via email. Reorder your checks anytime you want, 24 hours a day
– 7 days a week.
Reorder
existing checks online by clicking here. Please visit your
local CNB branch for check orders that require
a change.
CNB also offers savings sweep accounts to avoid
account overdrafts. Monies can be swept from a savings
account to a checking account with the same ownership for a small
fee. The amount that is swept is defined by you the customer.
Bounce Protection is an overdraft privilege requiring no action on your part. You do not have to sign anything. Your overdraft privilege (Bounce Protection limit) amount will be automatically assigned if you qualify. As long as you maintain your account in good standing, CNB may honor overdrafts up to the Bounce Protection limit (including fees) on your account. You will be charged the bank's normal insufficient funds fee (NSF) for each transaction deducted from your limit. You may access Bounce Protection by any of the following means: check, in-person withdrawal, ATM withdrawal, or other electronic means.
The Bounce Protection Fee is $28.00 per paid item.
The Overdraft Item Charge is $28.00 per paid item.
The categories of transactions for which an overdraft fee may be imposed are those by any of the following means: check, in-person withdrawal, ATM withdrawal, or other electronic means.
We reserve the right to require you to pay an overdraft immediately.
The circumstances under which we wouldn't pay an item that would overdraw your account are entirely within our discretion, and we reserve the right not to pay. For example, we typically wouldn't pay if the customer's account is not in good standing, or the customer is not depositing regularly, or the customer has too many overdrafts. The fact that we may pay one or more items creating overdrafts does not obligate us to do so in the future.
CNB can now debit a checking or savings account for your CNB loan payment from ANY financial institution. You select the transfer date, frequency and transfer amount. So why not save time, postage and avoid late fees. Call us today at (304) 258-1536 for easy set up instructions. Simple, Safe, Smart!
- Travelers checks
- Savings bonds
- Night depository
- Cash advance on credit cards
- Notary service
- Federal tax deposits
- Wire transfers
- Check collection
- Telephone transfers
- Stop payments
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