- Routing Number: 103100739
- En Español
- Contact Us
- (866) 385-3444
Enjoy a checking account that pays. Earn high interest earnings with easy accessibility to your money for everyday transactions.
• 4.00% APY* on balances up to and including $15,000
• 1.52% APY on balances over $15,000
• 0.05% APY* on all balances if qualifications aren't met
• Link a free CNB High-Yield Savings to build savings
• No minimum balance to earn rewards
• $3.50 monthly paper statement fee waived if you enroll in free eStatements
• $4.95 monthly account service charge if qualifications are not met
• $50 minimum deposit to open
Qualifications to Earn Rewards
Enrollments must be in place and all of the following transactions and activities must post and settle to your CNB High-Yield Checking account during each Monthly Qualification Cycle:
• At least 15 debit card purchases
• At least 1 ACH credit or ACH payment transaction
• Be enrolled in and log into online banking
And if you don’t meet these qualifications, don’t worry! You’ll still earn our base rate. And you can get right back to earning your full rewards the very next cycle that you qualify.
CNB High-Yield Extra Features:
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CityNET Online Banking*
Bank with us anytime, anywhere!
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Unlimited check writing
Write checks as needed.
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Notary service
Have your legal documents notarized.
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Access large network of ATMs
Find ATMs located near you here.
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Mobile Banking*
Pocket-Sized Convenience.
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Telephone Banking*
Instant access to your account.
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Visa debit card*
Get immediate access to your funds.
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Overdraft Protection (upon approval)
See how Overdraft works.
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eStatements*
Access your statements anytime, anywhere!
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Bank at any branch location
City National welcomes you at any location.
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PFM Tool*
Create a budget & manage your finances for $1 per month per user.
*activated by enrollment
Annual Percentage Yield (APY) accurate as of 01/01/2025. Rates subject to change after account opening. $50 minimum deposit is required to open the account.
Qualifications per statement cycle to earn rewards; one (1) monthly ACH credit or debit, 15 debit card transactions, and one (1) log in to your online banking. There is a recurring monthly maintenance fee of $4.95 on this account, which will be waived if qualifications are met.
When qualifications are met during a Monthly Qualification Cycle, daily balances up to and including $15,000.00 earn an interest rate of 4.00% APY and daily balances over $15,000.00 earn an interest rate of 1.00% APY on the portion of the daily balance over $15,000.00 resulting in a range from 4.00% to 1.39% APY depending on the account's daily balance. When qualifications are not met, the interest rate earned on the account's entire daily balance will be an APY of 0.05%. Interest will be credited to your account on the last day of the current statement cycle.
"Monthly Qualification Cycle" means a period beginning one (1) banking day prior to the first day of the current statement cycle through one (1) banking day prior to the last business day of the current statement cycle.
Account transactions and activities may take one (1) or more 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 our institution 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.
Limit one (1) CNB High-Yield Checking account per customer.
Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply.
Contact one of our bank service representatives for additional information.
