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| REGULAR SAVINGS**
RATE: .995%, APY 1.00% |
Minimum balance of $100.00 to receive APY |
| R BANKING FRIENDS** RATE: .995%, APY 1.00% | Minimum opening deposit of $5.00 |
|
CHRISTMAS CLUB** RATE: |
TRANSFER 2.00% APY:2.00% COUPON 1.10% APY: 1.10% |
| Minimum balance of $50 to receive accrued interest is required with the Christmas Club account. | |
| PROGRESSIVE SAVINGS**: | RATES EFFECTIVE 03/19/08 |
| $0 to $9999 | 0.50% APY |
| $10,000 to $24,999 | 0.75% APY |
| $25,000 to $39,999 | 1.00% APY |
| $40,000 to $59,999 | 1.50% APY |
| $60,000 to $100,000 | 2.00% APY |
| over $100,000 | 3.00% APY |
| **Variable rate account; the rates & APYs may change after the account is opened. Fees could reduce the earnings on the accounts. Minimum opening deposit is $10,000. | |
ACCUMULATOR: |
RATES EFFECTIVE 08/16/07 |
|
AUTOMATIC TRANSFER ACCOUNT: |
2.47% APY: 2.50% |
| COUPON ACCOUNT: | 0.995 APY: 1.00% |
| Minimum balance of $40 to receive accrued interest is required with the Accumulator account. | |
IRA ACCOUNT: |
RATES EFFECTIVE 05/05/08 |
| BALANCE < $100,000.01 | RATE: 2.730% APY: 2.75% |
| PORTION OF BALANCE >$100,000.00 | RATE: 3.230% APY: Blended 2.75% and greater |
| IRA rates may change annually. | |
| FUNERAL TRUST: | RATES EFFECTIVE 05/05/08 |
|
SIMPLE RATE: |
3.13% |
| APY: | 3.15% |
| Size(inches) | Annual Rent |
| 3 x 5 | $15.00 |
| 5 x 5 | $25.00 |
| 3 x 10 | $30.00 |
| 5 x 10 | $50.00 |
| 10 x 10 | $90.00 |
| Stop Payment (checking) | $25.00 |
| Stop Payment (savings) | $25.00 |
| Nonsufficient funds (checking) | $25.00/item |
| Nonsufficient funds (savings) |
$30.00/item |
| Returned deposited item | $4.50 |
| Collection item | $20.00 |
| Rejected item Due to faulty checks/deposit slips purchased from another company. |
$1.00/item |
| Telephone transfers between accounts | $3.00 |
| P.A.L. Advance | |
|
InterConnections and Interest bearing accounts
|
$7.50 |
|
Value Checking
|
$25.00 |
|
eVantage Checking
|
$15.00 |
|
All other accounts
|
$7.50 |
| Inactive account No activity for one year |
$5.00 |
| Account
research One hour minimum charge |
$25.00/hour |
|
Account reconciliation |
$25.00/hour |
| Photocopies | $ .25/each |
| Non-deposit coin counting | 5% |
| Garnishments | $50.00 |
| Cashier's checks | $ 5.00 |
| Money orders | $ 2.00 |
| Cash non-depositor checks | |
| $.01 to $1000 | $ 15.00 |
| Greater than $1000 | 2% |
| Traveler's checks | |
| Regular | $1.50 per $100.00 |
| Wire transfers | |
| Outgoing | $15.00 |
| Incoming | $10.00 |
| International | $60.00 |
| Notary service | |
| Non-customers | $ 2.00 |
| Customers | Free |
| Medallion Guarantee | |
| Non-customers | $25 |
| Customers | Free |
| Savings Bonds | |
| U.S. savings bonds No issue or redemption fee |
N/A |
| Bank-by-mail* | |
| Postage free | |
| Night deposit* | |
| A 24-hour depository; keys and lock-bags available to merchants (no charge for first bag, additional bags $20.00 each); envelopes accepted without key. | |
| MasterCard, Visa, and Discover | |
| CNB offers a MasterCard, Visa merchant program as well as providing cash advances (including Discover). 2% Charge for cash advance. | |
| ATM Fees | |
| CNB ATM,
no charge; foreign ATM $1.50 *Waived for InterConnections and eVantage Checking accounts |
|
| License plates & stickers | |
| Available at all locations | |
| Utility payments | |
| Carlinville Waterworks and Charter Communications accepted | |
*We are not responsible for transactions initiated by mail or outside
depository until we
actually record them
(How to offset checking account fees and service charges on your banking relationships)
Interest bearing accounts earn credit towards fees and charges at the rate of 15 cents for every $100 average available balance in that account. Other checking accounts earn credit toward fees and charges at the rate of 15 cents for every $100 of total deposit balances and/or loans within the bank.
