Personal Checking › CNB Bank, Inc.

Account Type	Minimum Opening Deposit	Monthly Service Charge	# of Checks per Statement	Interest Bearing	Available for Online Account Opening
Kasasa Cash®	$50	None	Unlimited	Yes	Yes
Kasasa Cash Back®	$50	None	Unlimited.	No	Yes
No Minimum Balance Freedom Checking	$50	None	Unlimited	No	Yes
Now Account	$500	Balance below $500.00 - $7.50	Unlimited	Yes	No
Ultimate Invest Personal Account	$10,000.00	Balance below $25,000.00 - $25.00	3 transactions per statement cycle	Yes (when $10,000.00 balance maintained)	No
Hi-Fi Money Market	$1000.00	Balance below $1,000.00 - $10.00	6 transactions per statement cycle	Yes	No

What’s Kasasa®? It’s big bank rewards with a community bank heart. Like free Kasasa Cash® checking — earn up to 2.25% APY* and refunds on your ATM withdrawal fees, nationwide.*

Build your savings automatically by connecting Kasasa Cash to a free Kasasa Saver® account. It pays to Kasasa at CNB Bank. Open your account today!

Benefits

Free checking that pays high interest
2.25% APY* on balances up to and including $10,000
2.25% to 0.43% APY on balances over $10,000 depending on balance in account*
0.03% APY* if qualifications aren't met
Refunds on ATM withdrawal fees, nationwide up to $30 per monthly qualification cycle*
Link to Kasasa Saver® account to build savings automatically
No minimum balance to earn rewards
No monthly service fee
Free online banking
Free bill pay
Free E-Statements
Free debit card
Unlimited check writing
$50 minimum deposit to open

Here’s How Easy it is to Earn Rewards

It’s pretty simple stuff — just do a few banking basics that we call “qualifications.” To earn your rewards, simply do the following activities and transactions in your Kasasa Cash account each monthly qualification cycle:

Have at least 12 CNB debit card purchases post and settle
Be enrolled in and agree to receive E-Statements
Be enrolled in and log into online banking

That's it. Even if you don’t meet your qualifications in a month, you’ll still earn our base interest rate — and your Kasasa Cash account is still free! Plus, you can get right back to earning your full rewards the very next month.

*Qualifications Information: Account transactions and activities may take one or more business days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for the account’s rewards. The following activities do not count toward earning account rewards: ATM-processed transactions, transfers between accounts, debit card purchases processed by merchants and received by CNB Bank, Inc. as ATM transactions, non-retail payment transactions and purchases made with debit cards not issued by our bank. Transactions bundled together by merchants and received by our institution as a single transaction count as a single transaction for the purpose of earning account rewards. “Monthly Qualification Cycle” means a period beginning one (1) business day prior to the first day of the current statement cycle through one (1) business day prior to the close of the current statement cycle. “Statement Cycle” means the period of time for which CNB Bank, Inc. provides a summary of the financial activities and transactions that post and settle to the accountholder’s account. “Business Day” means a calendar day other than a Saturday or Sunday and federal holidays.

Reward Information: When your Kasasa Cash account qualifications are met during a Monthly Qualification Cycle, (1) Balances up to and including $10,000 receive APY* of 2.25%; and balances over $10,000 earn 0.25% interest rate on the portion of balance over $10,000, resulting in a range from 2.25% to 0.43% APY* depending on the account’s balance and (2) you will receive reimbursements up to $30 ($4.99 per single transaction) for nationwide ATM withdrawal fees incurred during the Monthly Qualification Cycle in which you qualified. ATM receipt must be presented for reimbursement of ATM fees of $5.00 or higher.
When Kasasa Cash qualifications are not met, all balances in the account earn 0.03% APY* and ATM withdrawal fees are not refunded. Interest and ATM fee reimbursements will be credited to your Kasasa Cash account on the last day of statement cycle. *APY = Annual Percentage Yield. APYs accurate as of 06/01/2016. Rates and rewards are variable and may change after account is opened. Fees may reduce earnings.

Additional Information: Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. $50 minimum deposit is required to open the account. Enrollment in online banking, receipt of electronic statements, having an active CNB Bank, Inc. debit card and maintaining a valid email address with CNB Bank, Inc. are conditions of this account. Log-on activity to electronic services may be required to meet some of the account’s qualifications. Limit one account per primary account holder social security number. There are no recurring monthly service charges or fees to open or close this account. Contact a CNB Bank, Inc. service representative for additional information, details, restrictions, processing limitations and enrollment instructions. Member FDIC Kasasa and Kasasa Cash Back are trademarks of Kasasa, Ltd., registered in the U.S.A.

Get paid for buying things — really! Free Kasasa Cash Back® checking pays you 3% cash back (up to $7.50)* each month on your everyday debit card purchases.

You’ll also get unlimited refunds on your ATM withdrawal fees, nationwide* — not just in Berkeley Springs, but anywhere in the U.S.! It’s time your checking account start paying you back. Open Kasasa Cash Back today.

Benefits

Free checking that pays you back
3% cash back on CNB debit card purchases*
No category restrictions on purchases
Cash back earned on up to $250 in purchases monthly
Earn up to $7.50 cash back per month
Refunds on ATM fees, nationwide up to $30 per monthly qualification cycle*
Link to Kasasa Saver® account to build savings automatically
No minimum balance to earn rewards
No monthly service fee
Free online banking
Free bill pay
Free E-Statements
Free debit card
Unlimited check writing
$50 minimum deposit to open

Here’s How Easy it is to Earn Rewards
Just do a few banking basics (we call it “meeting your qualifications”). To earn your rewards, simply do the following activities and transactions in your Kasasa Cash Back account each monthly qualification cycle:

Have at least 12 CNB debit card purchases post and settle
Be enrolled in and agree to receive E-Statements
Be enrolled in and log into online banking

That's all there is to it. Even if you don’t meet your qualifications in a month, your Kasasa Cash Back account is still free. And you can get right back to earning your rewards the very next month!

*Qualifications Information: Account transactions and activities may take one or more business days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for the account’s rewards. The following activities do not count toward earning account rewards: ATM-processed transactions, transfers between accounts, debit card purchases processed by merchants and received by CNB Bank, Inc. as ATM transactions, non-retail payment transactions and purchases made with debit cards not issued by our bank. Transactions bundled together by merchants and received by our institution as a single transaction count as a single transaction for the purpose of earning account rewards. “Monthly Qualification Cycle” means a period beginning one (1) business day prior to the first day of the current statement cycle through one (1) business day prior to the close of the current statement cycle. “Statement Cycle” means the period of time for which CNB Bank, Inc. provides a summary of the financial activities and transactions that post and settle to the accountholder’s account. “Business Day” means a calendar day other than a Saturday or Sunday and federal holidays.

Reward Information: When Kasasa Cash Back qualifications are met during a Monthly Qualification Cycle, you will receive (1) 3.00% cash back on up to a total of $250.00 debit card purchases that post and settle to the account during that cycle period. A maximum of $7.50 cash back may be earned per Monthly Qualification Cycle. You will also receive reimbursements up to $30 ($4.99 per single transaction) for nationwide ATM withdrawal fees incurred during the Monthly Qualification Cycle in which you qualified. ATM receipt must be presented for reimbursement of ATM withdrawal fees of $5.00 or higher.

When Kasasa Cash Back qualifications are not met, no cash back payments are made and ATM withdrawal fees are not refunded. Cash back payments and ATM withdrawal fee reimbursements will be credited to your Kasasa Cash Back account on the last day of the current statement cycle. Rates and rewards are variable and may change after account is opened. Fees may reduce earnings.

Additional Information: Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. $50 minimum deposit is required to open the account. Enrollment in online banking, receipt of electronic statements, having an active CNB Bank, Inc. debit card and maintaining a valid email address with CNB Bank, Inc. are conditions of this account. Log-on activity to electronic services may be required to meet some of the account’s qualifications. Limit one account per primary account holder social security number. There are no recurring monthly service charges or fees to open or close this account. Contact a CNB Bank, Inc. service representative for additional information, details, restrictions, processing limitations and enrollment instructions. Member FDIC Kasasa and Kasasa Cash Back are trademarks of Kasasa, Ltd., registered in the U.S.A.

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