Youth Savings Account Teach the importance of managing money with a Youth Savings Account. It’s an easy way for kids and teens to grow their funds and build financial confidence for the future. Contact your local branch to get started. Branch Locator Start Strong with a Youth Savings Account Helping kids and teens build smart money habits early can set them up for success. A CNB Youth Savings Account makes it easy to learn the value of saving while keeping funds secure. It's a simple way to plan for the future, one deposit at a time! Account Requirements Savings account for kids 12 and under to promote smart money habits Minimum opening deposit $5.00 No minimum balance No monthly fee Interest compounded quarterly Monthly or quarterly paper statements FREE Digital Banking and eStatements To open a new savings account, please visit your nearest CNB branch and one of our Universal Bankers would be happy to assist. RatesView our current rates!View Youth Savings Rates YOUTH SAVINGS Daily Balance required to obtain advertised APY Interest Rate Annual Percentage Yield (APY) Minimum Opening Deposit Reclassified as Personal Savings account when customer turns 13 years of age. 0.01 and above 0.25% 0.25% $5.00 The account listed above is a variable rate account and the advertised rates, APYs, and Balance Tiers may change after the account is opened. Fees could reduce the earnings on an account. Please refer to the Truth in Savings Disclosures for each account, which are available upon request, for additional account details. The interest rates and APYs are accurate as of October 9, 2024 for the Region 1 branches of CNB Bank & Trust, N.A. only. Region 1 includes: Carlinville, Hillsboro, Litchfield, Taylorville, and Virden. Member of the Federal Deposit Insurance Corporation and the Community YOUTH SAVINGS Daily Balance required to obtain advertised APY Interest Rate Annual Percentage Yield (APY) Minimum Opening Deposit Reclassified as Personal Savings account when customer turns 13 years of age. 0.01 and above 0.25% 0.25% $5.00 The account listed above is a variable rate account and the advertised rates, APYs, and Balance Tiers may change after the account is opened. Fees could reduce the earnings on an account. Please refer to the Truth in Savings Disclosures for each account, which are available upon request, for additional account details. The interest rates and APYs are accurate as of October 9, 2024 for the Region 2 branches of CNB Bank & Trust, N.A. only. Region 2 includes: Brighton, Carrollton, Chapin, Jacksonville, Jerseyville, and Pittsfield. Member of the Federal Deposit Insurance Corporation and the Community YOUTH SAVINGS Daily Balance required to obtain advertised APY Interest Rate Annual Percentage Yield (APY) Minimum Opening Deposit Reclassified as Personal Savings account when customer turns 13 years of age. 0.01 and above 0.20% 0.20% $5.00 The account listed above is a variable rate account and the advertised rates, APYs, and Balance Tiers may change after the account is opened. Fees could reduce the earnings on an account. Please refer to the Truth in Savings Disclosures for each account, which are available upon request, for additional account details. The interest rates and APYs are accurate as of October 9, 2024 for the Region 3 branches of CNB Bank & Trust, N.A. only. Region 3 includes: Oak Forest, Palos Heights, and Tinley Park. Member of the Federal Deposit Insurance Corporation and the Community YOUTH SAVINGS Daily Balance required to obtain advertised APY Interest Rate Annual Percentage Yield (APY) Minimum Opening Deposit Reclassified as Personal Savings account when customer turns 13 years of age. 0.01 and above 0.25% 0.25% $5.00 The account listed above is a variable rate account and the advertised rates, APYs, and Balance Tiers may change after the account is opened. Fees could reduce the earnings on an account. Please refer to the Truth in Savings Disclosures for each account, which are available upon request, for additional account details. The interest rates and APYs are accurate as of October 9, 2024 for the Region 4 branches of CNB Bank & Trust, N.A. only. Region 4 includes: Alton, Clayton, and Edwardsville/Glen Carbon. Member of the Federal Deposit Insurance Corporation and the Community Savings Calculator Whether it's a down payment, college, a dream vacation...a savings plan can help you reach your goal. Use the sliders to experiment based on length of time and amount per month. How much will you deposit per month? How many months will you be saving? What is the interest rate? Estimated Total Savings: Ready to open an account? Contact your local branch today to get started! Branch Locator Featured Products & Offerings Build for the Future with a Certificate of Deposit A CNB Certificate of Deposit helps you stay on track with your financial goals. With competitive rates and flexible terms, it’s a secure way to plan ahead and make the most of your funds. Learn More Digital Banking You can manage your financial activities wherever you are, 24 hours a day, from any device with an Internet connection. CNB's Digital Banking is an easy and secure method of accessing all of your banking information. Learn More Personal Banking Savings Services What types of personal savings accounts does CNB Bank & Trust offer? CNB Bank & Trust offers a variety of savings accounts to meet your financial goals. This includes traditional savings accounts, high-yield savings accounts, and certificates of deposit (CDs), among others. Each account type has unique features and benefits tailored to different saving needs. Information can be found on our website under Personal Savings or by contacting a Universal Banker at your local CNB Bank & Trust, N.A. branch. What is the minimum deposit requirement to open a personal savings account? The minimum deposit requirement varies depending on the type of savings account you choose. For specific minimums, please refer to the savings account options on our website or contact us directly for more information. Are there any fees associated with personal savings accounts? Some savings accounts may have associated fees, including monthly maintenance fees or fees for exceeding certain transaction limits. We strive to keep our fees transparent and minimal. Detailed fee information for each account can be found on our website under Personal Savings or by contacting a Universal Banker at your local CNB Bank & Trust, N.A. branch. Can I access my personal savings account online? Yes, all our savings accounts come with online and mobile banking access, allowing you to view balances, and depending on the type of savings account, make transactions securely from anywhere, at any time. How many withdrawals can I make from my personal savings account each month? Depending on the type of savings account involved, withdrawals and transfers are limited to four per month; if over four, an excess withdrawal fee applies. Please review your account’s terms and conditions for detailed information. Can I set up direct deposits into my personal savings account? Yes, you can easily set up direct deposits into your savings account. This is a convenient way to automatically save for the future. Our Universal Banker team can assist you with the setup process.