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Business Checking

At CNB Bank & Trust, N.A., supporting our communities and the businesses that help them grow is a number one priority. We offer a wide variety of accounts to meet your unique business needs. Our accounts are designed to work hard – so you don't have to!

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

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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.


Small Business Checking

Designed for businesses with a relatively low number of monthly transactions

  • Minimum Opening Deposit $200.00
  • No Minimum Balance Requirements
  • No Monthly Maintenance Fee
  • First 150 Transactions Free, Anything over 150 will Assess $0.25 per Transaction (transactions consist of deposits, deposited items & checks written)
  • eStatements only (Non-profit organizations – paper statement available)
  • FREE Online Banking, Mobile Banking, Bill Pay, & eStatements
  • FREE QuickBooks® Uploads

Regular Business Checking

Run your business smoothly with this full-service account

  • Minimum Opening Deposit $200.00
  • No Minimum Balance Requirements
  • Monthly Service Fee of $10.00
  • First 400 Transactions Free, Anything Over 400 Will Assess $0.25 per Transaction (transactions consist of deposits, deposited items & checks written)
  • Earnings Credit of $0.04 for every $100.00 (earnings credit will evaluate the business customer's portfolio, not just this account)
  • Monthly Paper Statements - With Check Images
  • FREE eStatements
  • FREE QuickBooks® Uploads

Interest Bearing Business Checking

For non-profits with higher balances

  • Minimum Opening Deposit $200.00
  • Monthly Service Fee of $10.00
  • Minimum Requirement to earn interest $2,500.00 - Please Call For Current Rates
  • First 150 Transactions Free, Anything over 150 will Assess $0.05 per Transaction (transactions consist of deposits, deposited items & checks written)
  • Earnings Credit of $0.04 for every $100.00 (earnings credit will evaluate this account's balance, not portfolio)
  • Monthly Paper Statements - With Check Images
  • FREE eStatements
  • FREE QuickBooks® Upload

Interest Bearing Business Money Market

Boost your earnings with tiered interest rates

  • Minimum Opening Deposit $200.00
  • $2,500.00 Minimum Balance requirement to avoid monthly service fee of $20.00
  • Unlimited deposits, transfers and withdrawals made in person, by ATM or mail
  • Transfers to pay debts to the bank are permitted without limitation
  • Interest Tiers - Please Call For Current Rates
    • $2,500.00 - $19,999.99
    • $20,000.00 - $49,999.99
    • $50,000.00 - Up
  • Covered transactions are limited to 6 per statement cycle. (Refer to Truth in Savings Disclosure for more details)
  • Monthly Paper Statements - With Check Images
  • FREE eStatements
  • FREE QuickBooks® Upload

Cash Management for businesses is available through CNB Bank & Trust, N.A. for just $15. Contact your local facility today for more information.

  Small Business Checking Regular Business Checking Interest Bearing Business Checking (Non-Profits Only) Interest Bearing Business Money Market
Minimum Opening Deposit $200 $200 $200 $200
Min Balance to Avoid Fees No Min Balance No Min Balance No Min Balance $2,500
Monthly Service Fee No Service Fee $10 $10 $20 If balance falls below $2500
ATM/Debit Card Yes Yes Yes Yes
Limit on Monthly Transactions 
Transactions consist of deposits, deposited items & checks written
150 or Under Anything over 150 will assess $0.25 per transaction* 400 or Under Anything over 400 will assess $0.25 per transaction* 150 or Under Anything over 150 will assess $0.25 per transaction* Regulatory Restrictions apply to withdrawals and transfers. See account disclosure
Free Online Services
Online Banking, Mobile Banking, Bill Pay,
eStatements
Yes Yes Yes Yes
Interest Bearing
Call for current rates
---- ---- Yes Yes
Min Balance to Earn Interest ---- ---- $2,500 $2,500
Free QuickBooks ® Uploads Yes Yes Yes Yes
Statements Monthly - With Images Must have eStatements unless non-profit Monthly With Images Monthly With Images Monthly With Images
Other Feature
*earnings credit is used to offset or reduce service fees
---- Earnings Credit* of $0.04 for every $100 Earnings credit will evaluate the customer's portfolio, not just this account Earnings Credit* of $0.04 for every $100 Earnings credit will evaluate this account's balance, not portfolio ----

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