FAQ

Agricultural Lending refers to financial services specifically designed to meet the unique needs of farmers and agribusinesses. This includes loans and lines of credit for various purposes like buying land, purchasing equipment, and covering operational expenses.  Ag loans typically offer flexible repayment options that align with the unique cash flow of the farm or agribusiness.

Eligibility for Agricultural Lending typically includes farmers, ranchers, and agribusiness owners.

Agricultural loans can include term loans for equipment and land purchases, lines of credit for operational expenses, livestock loans, and crop production loans. Some lenders also offer specialized loans for specific agricultural projects.

You can apply for an Agricultural Loan by contacting the CNB Bank and Trust, N.A. agricultural lending department or visiting your local CNB branch. The application will require financial records of your farming operation and a detailed business plan. More information can be obtained from your CNB Agricultural Lender.

Your Ag Lender will consider your business plan and creditworthiness.  Creditworthiness includes the capacity for repayment, collateral position, and credit history among other factors. 

We offer competitive rates on our Agricultural Loan products.  Interest rates and terms may vary depending on the type of loan, the amount borrowed, the repayment schedule, and the borrower's creditworthiness.

Yes, we offer financing for livestock purchases, which can cover the cost of buying animals, feed, and other related expenses.

Most Agricultural Loans do require collateral, which can include farmland, equipment, livestock, or crops. The type and amount of collateral required depend on the loan's size and purpose.

Yes, new farmers can access Agricultural Lending.

Yes, CNB participates in a variety of Ag Loan programs which benefit our customers. These can benefit new and beginning farmers all the way to the most experienced producers. We are always looking for new solutions to provide value to our customers. Talk to your Ag Lender for more details.

CNB Bank & Trust, N.A. offers a range of business lending options including but not limited to owner-occupied commercial properties, business equipment, construction lending, lines of credit, Small Business Administration (SBA), and Advantage Illinois loans. Each loan type is designed to meet specific business needs, from expanding operations to purchasing equipment.

It’s easy! Just call one of our bank branches and ask to be transferred to one of our business loan officers.

The approval time for business loans varies based on many factors such as receipt of complete information, clarity of the business plan or business history, size and complexity of the request, just to name a few.

Yes, start-ups can apply for certain types of loans. However, lending to new businesses typically requires a strong personal credit history of the owner and a compelling business plan. Additionally, CNB collaborates with the Small Business Administration (SBA) to provide enhanced financing options and various loan programs to start-ups. CNB also participates in Advantage Illinois, a program aimed at promoting growth, job creation, and access to capital. For more information, reach out to our commercial lending experts who can guide you through the options that may be suitable for your unique needs.

The loan amount depends on several factors, including the type of loan, your business needs, creditworthiness, and ability to repay. We work with businesses to determine an appropriate loan amount.

Collateral is required for most situations  however unsecured loans may be possible under limited circumstances.  Contact one of our business loan experts for more details on secured and unsecured business and commercial loans.

To activate your debit card and customize your PIN number, please call 1-800-717-4923. 

PIN numbers are no longer mailed out to customers. Please call 1-800-717-4923 to customize your PIN.

SHAZAM is the company who processes and monitors CNB debit card transactions. If you receive a text or call from SHAZAM, it is likely that they have restricted your debit card for security purposes. 

No, SHAZAM will inactive the card, but you will need to contact the Bank to receive a replacement card. 

Yes, Mastercard debit cards are widely accepted worldwide. Always contact CNB if you plan to use your card while traveling.

Yes, for your security CNB has placed limits on your debit card. For more information or to change your limit please contact your local branch.

If your debit card is lost or stolen, contact SHAZAM 24/7 at 800-383-8000 to inactivate your card. To reorder a new card, contact your local branch.

From cnbil.com, click on the Account Login button, select Digital Banking, and enter your username and password. The system will send you a Secure Access Code via your chosen communications method (Text, Email, or voice). You’ll enter the Secure Access Code (SAC) into the system, and you will be logged in.

A Secure Access Code (SAC) is a unique, single-use 6-digit code which protects against fraud by safeguarding your online transactions and sensitive information. A SAC is another level of authentication in addition to your Login ID and password, providing you stronger online security.

You choose how you want to receive your SAC: by text, email, or phone. We need your current contact information for you to receive your SAC. Never share a Secure Access Code with anyone else. CNB Bank & Trust will never ask you for the SAC code. 

For Retail customer you go to cnbil.com, you will click on the Account Login button and select ‘Sign Up for Digital Banking.’ You will be guided through the set-up process. 

Retail customers may use the service for no additional cost; however, your wireless carrier may charge you fees related to this service.

After your first successful login, log in to CNB Digital Banking.  Go to Settings and Click on Update password. Enter your current password, create a new password, and confirm your new password following the onscreen password criteria.

Yes, once you have successfully logged into CNB Digital Banking, you can update your preferred contacts via the Settings > Update Login ID.

You will have access to 24 months of eStatements.

Yes, check images will show in the transaction detail section of each account you have access to.

Yes, when you are on Account Details page, the ‘Export’ option is located on the right side of the screen. The following export formats are available:
Spreadsheet (xls), Spreadsheet (csv), Microsoft OFX (ofx), Quicken (qfx), Quickbooks (qbo)

Yes, you will need to use a recent version (the last 2 versions released) of Google Chrome, Mozilla Firefox, Apple Safari, or the latest version of Microsoft Edge.

Yes, for Retail customers Zelle is supported in CNB Digital Banking on all platforms.

For questions, please contact Customer Service at (866) 342-2620 between the hours of 8:30am to 4:30pm Monday through Friday and a member of Customer Service will be happy to help.

Yes, CNB offers a wide variety of alerts. Alerts can also be delivered via the system’s secure messaging mailbox, email, phone, or text. Alerts can be customized through digital banking Settings > Alert Settings > Manage Account Alerts.

Yes, you can register up to 15 separate devices.

Use the Loan Payment tile on the Transfers & Payment menu. (You can get to the Transfers & Payment menu by clicking on the menu button in the lower right corner of the mobile app.) You can setup one-time payments, or recurring payments.

This depends on the email server and receiving the code this way can cause the email be held for several minutes by the email provider. Texts messages are almost instant.

Yes, you can update your SAC codes under settings and click the 2-Factor Authentication tile.

Yes, on the Settings menu, choose Address Management.

No, Safety Deposit Boxes do not show in Digital Banking.

No, the Digital Assistant is an important tool that is used to help answer questions.

Yes, Mortgage and HELOC statements are available in Digital Banking.

Yes, Retail Customers can link to external accounts through Digital Banking. 

Micro deposits are used to verify an external transfer account. 

Digital Banking pulls real-time transactions from the Core system during the day up until a time where we start the process to build the daily batch file that is delivered to Digital Banking between 3:00am and 5:30am. During the time the batch file is being generated (from around 8:00pm and on), the real-time transactions that are in a pending status (or memo-posted) may "disappear" from digital banking in anticipation of the batch file being delivered in the early hours of the morning. During this time, transaction may appear to disappear, but you can be certain when the batch file is delivered, they will reappear at that time.

eStatements are electronic versions of your bank statements that can be accessed online instead of receiving paper statements by mail.

Enrolling in eStatements is easy! Login to digital banking, click Services, click eStatement Enrollment, click the pencil icon next to the account you want to receive eStatements, select E-Statement, review the E-Statement Delivery Agreement, select I Accept, verify your email address, and click Save

Login to digital banking, click Services, click eStatements, select the Account and Date, choose if you want to download the document or view/print the document.

Your eStatements can be accessed via the CNB Digital Banking platform. Additionally, you will receive an email notifying you when your new statement is ready to view.

Yes, eStatements are secure. We take your privacy and security seriously. Your eStatements are protected by encryption and can only be accessed through your secure Digital Banking account.

If you change your email address, make sure to update it in Settings > Contact Info. This ensures that you receive notifications and access to your eStatements at the correct email address.

No, enrolling in eStatements is completely free. We encourage you to go paperless to help reduce environmental impact and streamline your banking experience.

Yes, there is a CNB Digital Banking App for mobile devices. It is the same application for Retail, Small Business, and Corporate (Ecorp) Mobile Banking.

Simply download the CNB Digital Banking mobile app from your device’s app store and follow the on-screen prompts.

The CNB Digital Banking App for mobile devices is available on both the Apple App Store and Google Play for Android devices.

The CNB Digital Banking app is supported on most iPhone®, iPad®, and Android™ devices with up-to-date Operating Systems. You can also use mobile phones with a mobile web browser that supports cookies.

Yes, the new app will work with both iPads and Android tablets that are up-to-date with security updates.

Yes, our CNB Digital Banking for mobile devices service utilizes best practice security services such as HTTPS, TLS encryption, password access, biometrics, and application time-out when not in use. Only the phones that you enroll can access your bank accounts and no account data is ever stored on your phone.

Yes, you can send payments from your mobile device. Tap on the menu button, then on Transfers & Payments on the menu, then the "Pay with BillPay" tile to access your bill pay information.

The app and desktop version of Digital Banking have a similar look and feel.

Mobile deposit allows you to make deposits into your checking, savings, or money market accounts by scanning checks and delivering the images and associated deposit information to CNB.

We set the expectation at 2-3 business days. It takes time for the various steps internally for the deposits to come through, then it must post overnight to show up.

Applying is easy! Visit our Personal eServices page to access the mobile check deposit application.

After you have completed your mobile deposit, store the original check in a secure place for 30 days, then shred and destroy the check.

Yes, CNB has a few mobile deposit limitations. Please see our Consumer Mobile Check Deposit User Agreement for details.

Mobile deposits can fail for a variety of reasons. Please see our Consumer Mobile Check Deposit User Agreement for detailed information.

Yes, we offer Retail, Small Business, and Corporate (Ecorp) banking depending on the customer’s needs.

Yes, you may reconnect your applicable accounts to CNB Bank & Trust, N.A. 

Yes, dual authorization via alerts is also available to ensure corporate transactions receive the proper approvals.

All CNB Bank & Trust customers log into Digital Banking the same and with the same app. 

Small Business and Corporate (Ecorp) customers need to call their local branch to enroll in Digital Banking

Retail customers may use the service for no additional cost; however, your wireless carrier may charge you fees related to this service. Corporate (Ecorp) customers need to call their local branch with any cost questions. 

No, Zelle is not supported for Small Business or Corporate (Ecorp) customers. 

No, external transfers are not available for Small Business or Corporate (Ecorp) customers.      

Zelle^® is a fast, safe and easy way to send and receive money with friends, family and others you trust, even if they bank somewhere different than you¹. All you need is your recipient’s email address or U.S. mobile number and money will be sent directly from your account to theirs in minutes¹. No account numbers are shared.

You can send, request, or receive money with Zelle^®. To get started, log into the CNB Bank & Trust Digital Banking and select Transfers & Payments, Pay with Bill Pay, Send Money with Zelle or desktop or select Bill Pay, Options, Visit Bill Pay Site, Send money with Zelle on mobile. Follow the on screen steps to enroll in Zelle.

To send money using Zelle^®, simply select someone from your mobile device’s contacts (or add a trusted recipient’s email address or U.S. mobile number), add the amount you’d like to send and an optional note, review, then hit “Send.” The recipient will receive an email or text message notification via the method they used to enroll with Zelle^®. Money is available to your recipient in minutes if they are already enrolled with Zelle^®.

To request money using Zelle^®, choose “Request,” select the individual from whom you’d like to request money, enter the amount you’d like, include an optional note, review and hit “Request”. If the person you are requesting money from is not yet enrolled with Zelle^®, you must use their email address to request money. If the person has enrolled their U.S. mobile number, then you can send the request using their mobile number.

To receive money, just share your enrolled email address or U.S. mobile number with a friend and ask them to send you money with Zelle^®. If you have already enrolled with Zelle^®, you do not need to take any further action. The money will be sent directly into your CNB Bank & Trust account, typically within minutes.

If someone sent you money with Zelle^® and you have not yet enrolled with Zelle^®, follow these steps:

1. Click on the link provided in the payment notification you received via email or text message.
2. Select CNB Bank & Trust.
3. Follow the instructions provided on the page to enroll and receive your payment. Pay attention to the email address or U.S. mobile number where you received the payment notification - you should enroll with Zelle^® using that email address or U.S. mobile number to ensure you receive your money.

Keeping your money and information safe is a top priority for CNB Bank & Trust. When you use Zelle^® within our Digital Banking mobile app, your information is protected with the same technology we use to keep your CNB Bank & Trust account safe.

Zelle^® is a great way to send money to family, friends, and people you are familiar with such as your personal trainer, babysitter or neighbor. ¹

Since money is sent directly from your CNB Bank & Trust account to another person’s bank account within minutes¹, Zelle^® should only be used to send money to friends, family and others you trust.

If you don’t know the person or aren’t sure you will get what you paid for (for example, items bought from an online bidding or sales site), you should not use Zelle^®. These transactions are potentially high risk (just like sending cash to a person you don’t know is high risk).

Neither CNB Bank & Trust nor Zelle^® offers purchase protection for payments made with Zelle^® – for example, if you do not receive the item you paid for, or the item is not as described or as you expected. Please call customer service and speak to a representative.

¹ U.S. checking or savings account required to use Zelle^®. Transactions between enrolled users typically occur in minutes.

Zelle^® and the Zelle^® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

Some small businesses are able to receive payments with Zelle^®. Ask your favorite small business if they accept payments with Zelle^®. If they do, you can pay them directly from the CNB Bank & Trust Digital Banking mobile app using just their email address or U.S. mobile number.

Neither CNB Bank & Trust nor Zelle^® offers purchase protection for payments made with Zelle^®, so you should only send money to people (and small businesses) you trust.  Please call customer service and speak to a representative.  Also, always ensure you’ve used the correct email address or U.S. mobile number when sending money.

In order to use Zelle^®, the sender and recipient’s bank or credit union accounts must be based in the U.S.

You can only cancel a payment if the person you sent money to hasn’t yet enrolled with Zelle^®. To check whether the payment is still pending because the recipient hasn’t yet enrolled, you can go to your activity page, choose the payment you want to cancel, and then select “Cancel This Payment.” If you do not see this option available, please contact our customer support team at 866-342-2620 for assistance with canceling the pending payment.

If the person you sent money to has already enrolled with Zelle^®, the money is sent directly to their bank account and cannot be canceled. This is why it’s important to only send money to people you trust, and always ensure you’ve used the correct email address or U.S. mobile number when sending money.

If you sent money to the wrong person, please immediately call our customer support team at 866-342-2620 so we can help you.

CNB Bank & Trust does not charge fees to send or receive money with Zelle^®, but there is a stop payment fee to cancel a Zelle^® transaction that is still pending because the recipient hasn’t yet enrolled. If the recipient doesn’t enroll with Zelle^® within 14 days, the payment will naturally expire, the funds will be returned to your account and no fees will be assessed.  Please contact customer support for more information. 

To determine CNB Bank & Trust send limits, call our customer service at 866-342-2620.

At CNB Bank & Trust, there are no limits to the amount of money you can receive with Zelle^®. However, remember that the person sending you money will most likely have limits set by their own financial institution on the amount of money they can send you.

You can find a full list of participating banks and credit unions live with Zelle^® here.

If your recipient’s bank or credit union isn’t on the list, don’t worry! The list of participating financial institutions is always growing, and your recipient can still use Zelle^® by downloading the Zelle^® app for Android and iOS.

To enroll with the Zelle^® app, your recipient will enter their basic contact information, an email address or U.S. mobile number, and a Visa^® or Mastercard^® debit card with a U.S. based account (does not include U.S. territories). Zelle^® does not accept debit cards associated with international deposit accounts or any credit cards.

Since the value and marketability of condominium properties is dependent on items that don't apply to single-family homes, there are some additional steps that must be taken to determine if condominiums meet our guidelines.

One of the most important factors is determining if the project that the condominium is located in is complete. In many cases, it will be necessary for the project, or at least the phase in which your unit is located, to be complete before we can provide financing. The main reason for this is, until the project is complete, we can't be certain that the remaining units will be of the same quality as the existing units. This could affect the marketability and value of your home.

In addition, we'll consider the ratio of non-owner occupied units to owner-occupied units. This could also affect future marketability since many people would prefer to live in a project that is occupied by owners rather than renters.

We'll also carefully review the appraisal to insure that it includes comparable sales of properties within the project, as well as some from outside the project. Our experience has found that using comparable sales from both the same project as well as other projects gives us a better idea of the condominium project's marketability.

Depending on the percentage of the property's value you'd like to finance, other items may also need to be reviewed.

We define manufactured housing as housing units that are factory built with a steel undercarriage that remains as a structural component and limits the structure to a single story. These types of manufactured homes are sometimes known as mobile homes. We do not consider other factory-built housing (not built on a permanent chassis), such as modular, prefabricated, panelized, or sectional housing, to be manufactured housing. If your home is one of these types, please complete the application indicating that your home is a single family home.

In order to qualify for our loan programs a manufactured home must meet the following requirements:

• A manufactured home is any dwelling built on a permanent chassis and attached to a permanent foundation system.
• Be a one-family dwelling that is legally classified as real property.
• The towing hitch, wheels, and axles must have been removed and the home must be permanently attached to a foundation system that meets state and local codes as well as the manufacturer’s requirements.
• Foundation system must be appropriate for the soil conditions for the site and meet local and state codes.
• The land on which the manufactured home is situated must be owned by you. We do not provide financing for manufactured homes located on rented or leased land.
• Must have been built in compliance with the Federal Manufactured Home Construction and Safety Standards that were established June 15, 1976. Generally, compliance with these standards will be evidenced by the presence of a HUD Data Plate that is affixed near the main electrical panel of the home or in another readily accessible and visible location.
• Must be at least double-width, 24 feet wide, and have a minimum 600 square feet of gross living area.
• Must be acceptable to typical purchasers in the market area.

Licensed appraisers who are familiar with home values in your area perform appraisals. We order the appraisal as soon as the application deposit is paid. Generally, it takes 10-14 days before the written report is sent to us. We follow up with the appraiser to insure that it is completed as soon as possible. If you are refinancing, and an interior inspection of the home is necessary, the appraiser should contact you to schedule a viewing appointment. If you don't hear from the appraiser within seven days of the order date, please inform your Loan Officer. If you are purchasing a new home, the appraiser will contact the real estate agent, if you are using one, or the seller to schedule an appointment to view the home.

Both a home inspection and an appraisal are designed to protect you against potential issues with your new home. Although they have totally different purposes, it makes the most sense to rely on each to help confirm that you've found the perfect home.

The appraiser will make note of obvious construction problems such as termite damage, dry rot or leaking roofs or basements. Other obvious interior or exterior damage that could affect the salability of the property will also be reported.

However, appraisers are not construction experts and won't find or report items that are not obvious. They won't turn on every light switch, run every faucet or inspect the attic or mechanicals. That's where the home inspector comes in. They generally perform a detailed inspection and can educate you about possible concerns or defects with the home.

Accompany the inspector during the home inspection. This is your opportunity to gain knowledge of major systems, appliances and fixtures, learn maintenance schedules and tips, and to ask questions about the condition of the home.

Federal Law requires all lenders to investigate whether or not each home they finance is in a special flood hazard area as defined by FEMA, the Federal Emergency Management Agency. The law can't stop floods. Floods happen anytime, anywhere. But the Flood Disaster Protection Act of 1973 and the National Flood Insurance Reform Act of 1994 help to ensure that you will be protected from financial losses caused by flooding.

We use a third party company who specializes in the reviewing of flood maps prepared by FEMA to determine if your home is located in a flood area. If it is, then flood insurance coverage will be required, since standard homeowner's insurance doesn't protect you against damages from flooding.

To determine the value of the property you are purchasing or refinancing, an appraisal will be required. An appraisal report is a written description and estimate of the value of the property. National standards govern not only the format for the appraisal; they also specify the appraiser's qualifications and credentials. In addition, most states now have licensing requirements for appraisers evaluating properties located within their states.

The appraiser will create a written report for us and you'll be given a copy at your loan closing. If you'd like to review it earlier, your Loan Officer would be happy to provide it to you.

Usually the appraiser will inspect both the interior and exterior of the home. However, in some cases, only an exterior inspection will be necessary based on your financial strength and the location of the home. Exterior-only inspections usually save time and money, but if you're purchasing a new home, your Loan Officer will contact you to determine if you'd be more comfortable with a full inspection.

After the appraiser inspects the property, they will compare the qualities of your home with other homes that have sold recently in the same neighborhood. These homes are called "comparables" and play a significant role in the appraisal process. Using industry guidelines, the appraiser will try to weigh the major components of these properties (i.e., design, square footage, number of rooms, lot size, age, etc.) to the components of your home to come up with an estimated value of your home. The appraiser adjusts the price of each comparable sale (up or down) depending on how it compares (better or worse) with your property.

As an additional check on the value of the property, the appraiser also estimates the replacement cost for the property. Replacement cost is determined by valuing an empty lot and estimating the cost to build a house of similar size and construction. Finally, the appraiser reduces this cost by an age factor to compensate for depreciation and deterioration.
If your home is for investment purposes, or is a multi-unit home, the appraiser will also consider the rental income that will be generated by the property to help determine the value.

Using these three different methods, an appraiser will frequently come up with slightly different values for the property. The appraiser uses judgment and experience to reconcile these differences and then assigns a final appraised value. The comparable sales approach is the most important valuation method in the appraisal because a property is worth only what a buyer is willing to pay and a seller is willing to accept.

Yes, applying for a mortgage loan before you find a home may be the best thing you could do! If you apply for your mortgage now, after review of the application, we'll issue an approval subject to you finding the perfect home. You can use the pre-qualification letter to assure real estate brokers and sellers that you are a qualified buyer. Having a pre-qualification for a mortgage may give more weight to any offer to purchase that you make.

Yes, you can borrow funds to use as your down payment! However, any loans that you take out must be secured by an asset that you own. If you own something of value that you could borrow funds against such as a car or another home, it's a perfectly acceptable source of funds. If you are planning on obtaining a loan, make sure to include the details of this loan in the Expenses section of the application.

A credit score is one of the pieces of information that we'll use to evaluate your application. Financial institutions have been using credit scores to evaluate credit card and auto applications for many years, but only recently have mortgage lenders begun to use credit scoring to assist with their loan decisions.

Credit scores are based on information collected by credit bureaus and information reported each month by your creditors about the balances you owe and the timing of your payments. A credit score is a compilation of all this information converted into a number that helps a lender to determine the likelihood that you will repay the loan on schedule. The credit score is calculated by the credit bureau, not by the lender. Credit scores are calculated by comparing your credit history with millions of other consumers. They have proven to be a very effective way of determining credit worthiness.

Some of the things that affect your credit score include your payment history, your outstanding obligations, the length of time you have had outstanding credit, the types of credit you use, and the number of inquiries that have been made about your credit history in the recent past.

Credit scores used for mortgage loan decisions range from approximately 300 to 900. Generally, the higher your credit score, the lower the risk that your payments won't be paid as agreed.

Using credit scores to evaluate your credit history allows us to quickly and objectively evaluate your credit history when reviewing your loan application. However, there are many other factors when making a loan decision and we never evaluate an application without looking at the total financial picture of a customer.

There is no charge to you for the credit information we'll access with your permission to evaluate your application online. You will only be charged for a credit report if you decide to complete the application process after your loan is approved.

An abundance of credit inquiries can sometimes affect your credit scores since it may indicate that your use of credit is increasing.

But don't overreact! The data used to calculate your credit score doesn't include any mortgage or auto loan credit inquiries that are made within the 30 days prior to the score being calculated. In addition, all mortgage inquiries made in any 14-day period are always considered one inquiry. Don't limit your mortgage shopping for fear of the effect on your credit score.

The closing will take place at the bank's branch or the office of a title company or attorney in your area who will act as our agent. If you are purchasing a new home, the seller may also be at the closing to transfer ownership to you, but in some areas, these two events actually happen separately.

During the closing you will be reviewing and signing several loan papers. Your loan officer, the closing agent or attorney conducting the closing should be able to answer any questions you have.

Just to make sure there are no surprises at closing, your Loan Officer will contact you a few days before closing to review your final fees, loan amount, first payment date, etc.

The most important documents you will be signing at the closing include:

• Closing Disclosure
  • A Closing Disclosure is a five-page form that provides final details about the mortgage loan you have selected. It includes the loan terms, your projected monthly payments, and how much you will pay in fees and other costs to get your mortgage (closing costs).
  • You will receive your Closing Disclosure at least three business days before you close on the mortgage loan. This three-day window allows you time to compare your final terms and costs to those estimated in the Loan Estimate that you previously received. The three days also gives you time to ask us any questions before you go to the closing table.
• Note
  • This is the document you sign to agree to repay your mortgage. The note will provide you with all of the details of your loan including the interest rate and length of time to repay the loan. It also explains the penalties that you may incur if you fall behind in making your payments.
• Mortgage / Deed of Trust
  • This document pledges a property to the lender as security for repayment of a debt. Essentially this means that you will give your property up to the lender in the event that you cannot make the mortgage payments. The Mortgage restates the basic information contained in the note, as well as details the responsibilities of the borrower. In some states, the document is called a Deed of Trust instead of a Mortgage.

If your loan is a refinance, Federal Law requires that you have three days to decide positively that you want a new mortgage after you sign the documents. This means that the loan funds won't be disbursed until three business days have passed. The closing agent will provide more details at the closing.

Some of our checking accounts may have monthly maintenance fees, which can vary based on the account type. However, these fees can often be waived by maintaining a minimum balance, having a direct deposit, or meeting other criteria. Information can be found on our website under Personal Checking or by contacting a Universal Banker at your local CNB Bank & Trust, N.A. branch.

The minimum balance requirement varies depending on the type of checking account. Some accounts have no minimum balance, while others have specific requirements to avoid fees. Details can be found on our website under Personal Checking or by contacting your local CNB Bank & Trust, N.A. branch and speaking with a Universal Banker.

Yes, all our personal checking accounts come with online banking capabilities. You can view balances, transfer funds, pay bills, and more. Go to eServices for Personal Banking on our website to sign up for Digital Banking or contact a Universal Banker at your local CNB Bank & Trust, N.A. branch for assistance.

Absolutely! Our CNB Digital Banking Mobile app allows you to manage your account, deposit checks, make payments, and receive alerts on the go. Users need to be signed up for Digital Banking to enable access. The app is available for download on both iOS and Android devices. Please visit the CNB Digital Banking section on our website.

CNB Bank and Trust, N.A. customers have access to the SHAZAM Privileged Status Network of ATMs without incurring fees. However, using non-network ATMs may result in charges. Please check our ATM locator on our website for free ATM locations near you.

Setting up direct deposit is easy. You'll need to provide your employer with all digits of your checking account number, and the CNB Bank and Trust, N.A. ABA, or bank routing number, which is 081904662. You can also contact a Universal Banker at your local branch for assistance.

If your debit card is lost or stolen, report it immediately through our digital banking portal, or through our mobile app. Look for Services then Card Management. Another option is to call SHAZAM at (800) 383-8000. You can also call CNB Bank during our normal business hours, and customer service will assist you in securing your account and issuing a new card.

Yes, we offer overdraft protection services. One option is to arrange to have funds automatically transferred from another CNB Bank & Trust, N.A. deposit account to cover the overdraft in your checking account. Even if you have this Overdraft Protection option, or if it is exhausted, another option available is our Overdraft Privilege, which allows you to overdraw your checking account up to a disclosed limit. Fees and terms apply, so please refer to our Overdraft Coverage Options disclosure on our website under Overdraft Services.

Our Premium and Gateway checking accounts offer BaZing® powered benefits such as lost or stolen cell phone replacement, roadside assistance, ID theft aid, local merchant discounts, and more. The specifics vary by account type, so please review the options within the Personal Checking Accounts section on our website or by contacting a Universal Banker at your local CNB Bank & Trust, N.A. branch.

We offer a variety of checking accounts to meet different needs, including basic checking, interest-bearing accounts, student checking, senior checking, and accounts with BaZing® benefits. Each type has its unique features and benefits, which you can compare on our website or by speaking with a Universal Banker at your local branch.

Deposits can be made through several methods: in-person at our branches, through mobile deposit (once enrolled by CNB), or through one time or recurring electronic transfers from another CNB deposit account using the Transfers & Payments option within our digital banking portal or Transfer within our mobile app.

Yes, our checking accounts can be opened as joint accounts. Both parties will have equal access and responsibility for the account. Please contact a Universal Banker at your local CNB Bank & Trust, N.A. branch if the account is intended for someone under the age of 18.

Generally, there are no limits on the number of transactions you can make. However, for certain types of transactions or account types, there might be limits. These details are outlined in the product specific Truth In Savings Disclosure. Please contact a Universal Banker at your local CNB Bank & Trust, N.A. branch for guidance or to obtain a disclosure.

If you decide to close your account, any remaining ledger balance will be returned to you. However, before closing, it's important to ensure all pending transactions, especially direct deposits and automatic payments are cleared or re-routed to a different account to avoid any issues. If your account is closed within the first 90 days of opening, there may be a fee. Please see account disclosures for more information.

Checks can be re-ordered through a link available within our website, by visiting a branch, or by contacting a Universal Banker at your local CNB Bank & Trust, N.A. branch. There are various designs and quantities to choose from. You can also re-order checks through Harland Clarke by visiting Order Checks by Harland Clarke | OrderMyChecks.com® Official Site. The cost of the re-ordered items is automatically deducted from your checking account.

We offer comprehensive customer support for our checking account holders, including in-person assistance at branches, telephone support, and assistance through our website's Digital Assistant.

Yes, please visit with a Universal Banker at your local CNB Bank & Trust N.A. branch to add pay on death beneficiaries to your checking account. In the event of your demise, upon presentment of your death certificate and proper identification, the appropriate percentage of the account balance will be paid to the designated beneficiaries.

The nine-digit code that identifies CNB Bank & Trust, N.A. is 081904662.

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.

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.

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.

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.

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. 

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.

Wealth Management is an investment advisory vehicle that caters to the financial needs of clients.  It combines various financial services to create a comprehensive strategy tailored to the client’s specific situation and goals as outlined below:

• Holistic Approach: Unlike simple investment advice, wealth management encompasses all aspects of a person’s financial life. Rather than piecing together advice from multiple professionals, a wealth manager coordinates various services needed to manage assets effectively.  This includes creating strategic plans for current and future needs, such as estate planning, tax accounting, and business succession plans.
• Client Focus: Wealth Management advisors work closely with clients to understand their unique circumstances, preferences, and goals. They then design personalized strategies using a range of financial products and services.  These services may include but not limited to investment advice, retirement planning and more.
• Fee Structure: Typically, wealth management fees are based on a client’s assets under management (AUM). Clients pay a fee for comprehensive services, making it suitable for individuals with diverse needs.
• Specialization: While many wealth advisors offer services across the financial spectrum, some specialize in specific areas and may also coordinate input form outside experts such as attorneys and accountants to craft optimal strategies for clients.

Choosing a fiduciary advisor is a prudent decision for several compelling reasons as it offers peace of mind, personalized guidance, and a commitment to your financial well-being.

• A fiduciary advisor is legally and ethically bound to act in your best interests. Fiduciaries, unlike other financial advisors, prioritize your needs above their own.  As a fiduciary advisor, one must recommend investments based solely on the client’s requirements, without considering their own commissions or fees.
• Fiduciary advisors provide sound, unbiased advice on various financial aspects, including investments, retirement planning and college savings.  The primary focus is maximizing the clients’ money while ensuring their financial well-being.
• Fiduciaries and transparency go hand in hand as it ensures that their recommendations are aligned with the client’s goals and not influenced by and hidden incentives.
• A fiduciary will provide organization and accountability and assist you in making informed decisions and help you stay on track with your financial goals and help to avoid emotional pitfalls that may significantly impact your financial success.

Yes, Farm Management can be a part of Wealth Management services, especially for clients who own agricultural businesses or properties. It includes managing the financial aspects of running a farm, such as investments, land use, crop planning, and succession planning.

While both services involve advising clients on their finances, Wealth Management is more holistic.  It not only includes financial planning but also incorporates investment management, estate planning, tax strategies, and more.

When selecting a Wealth Management service, consider factors like the firm's reputation, the qualifications and experience of the advisors, the range of services offered, the fee structure, and how well they understand your financial goals and situation.

Tax planning is a vital part of Wealth Management, focusing on structuring finances in a way that minimizes tax liability. This can involve strategies for investment, estate planning, and retirement savings, ensuring that clients' wealth is managed efficiently from a tax perspective.

Yes, Wealth Management can help in devising strategies for charitable giving. This includes determining the most tax-efficient ways to donate, understanding the impacts on estate value, and aligning charitable contributions with personal values and financial goals.

Risk management within Wealth Management involves identifying, assessing, and prioritizing financial risks, and applying resources to minimize, control, or eliminate negative impacts.

Asset allocation is critical in Wealth Management as it balances risk versus reward by adjusting the percentage of each asset in an investment portfolio according to the client's risk tolerance, goals, and investment time frame.

Wealth Managers tailor services based on individual client profiles, which include their financial goals, risk tolerance, time horizon, and personal values. This personalized approach ensures that strategies and solutions are uniquely suited to each client.

A trust is a fiduciary arrangement that allows a third party, or trustee, to hold assets on behalf of a grantor and/or beneficiary. In Wealth Management, trusts are used for estate planning, tax reduction, and to set terms for how and when assets are distributed to beneficiaries.

Estate planning plays a crucial role within wealth management, providing an additional tool for wealth management advisors to enhance value and build stronger client relationships. Remember, estate planning isn’t solely for the wealthy, it’s essential for everyone. Reasons to have an estate plan:

• Having a thoughtful estate plan in place offers peace of mind. It ensures that your wishes regarding asset distribution, guardianship of children, and medical decisions are documented and understood by your loved ones.
• Wealth advisors collaborate with legal professionals, accountants, and insurance agents to create a cohesive plan.
• Estate planning safeguards your wealth by addressing tax implications, minimizing probate costs, and protecting your privacy.
• A well-structured estate plan prepares future generations to inherit wealth seamlessly.

Retirement planning in Wealth Management involves creating a strategy for setting aside sufficient funds for retirement, considering factors like retirement age, desired lifestyle, projected expenses, and sources of retirement income.

Our Trust Officers stay aligned with a client's changing financial situation through regular reviews and updates to their financial plan. This ensures that the strategies remain relevant and are adjusted to reflect any significant changes in the client's life or financial circumstances.