Compare Our Checking Accounts

All CNB St. Louis Bank personal checking accounts include the following free benefits:

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Accounts Minimum to Open Minimum Balance to Earn Interest Monthly Service Charge Free Online & Mobile Banking Free Debit Card Open Online Today
$100 N/A $4* Checkmark Icon Checkmark Icon Open a Regular Checking Account
$100 N/A $5** Checkmark Icon Checkmark Icon
Teen Checking $50 N/A $0 Checkmark Icon Checkmark Icon Visit one of our branches to open!
Student Checking $50 N/A $0 Checkmark Icon Checkmark Icon Open a Student Account
$100 $1,000 $0 Checkmark Icon Checkmark Icon Open a Seniority Club Account
*Accounts will incur a $4 monthly fee unless any two of the following requirements are met each statement cycle: one ACH debit or credit, $300 in debit card posted transactions (excluding ATM withdrawals) and an average monthly available statement balance of $500.

**Accounts will incur a $5 monthly fee unless you complete at least six debit card transactions (excluding ATM transactions), one ACH deposit or withdrawal each statement cycle, and maintain an average monthly available statement balance of $500.

Regular Checking

An everyday checking account with extraordinary features.

Features Include:

  • Open the account with as little as $100
  • Online Banking with Bill Pay
  • Mobile Banking with Mobile Deposit
  • Email and Text Alerts
  • eStatements ($1 per month for mailed statements)
  • No ATM Foreign Fees or Surcharges thru the Money Pass® ATM Network
  • MasterCard® Debit Card
  • Unlimited Check Writing
Avoid the $4.00 monthly maintenance fee when the account meets 2 of the following requirements per statement period:  One direct deposit or direct debit, $300 in debit card transactions (excluding ATM transactions) or an average monthly statement balance of $500.  

Open a Regular Checking Account

Contact us today to open an account or to determine which account is the right account for you!

Ultimate Interest Checking

Earn interest on your money while enjoying all the conveniences of a regular checking account.

Features Include:

  • A great interest rate (call for the current rate)
  • Unlimited Check Writing
  • Online Banking with Bill Pay
  • Mobile Banking with Mobile Deposit
  • Email and Text Alerts
  • eStatements ($1 per month for mailed statements)
  • No ATM Foreign Fees or Surcharges thru the Money Pass® ATM Network
  • MasterCard® Debit Card
  • $100 to open the account
  • $500 Average Minimum Daily Balance Required
The CNB Ultimate Interest Checking Account provides customers with an opportunity to earn a competitive rate of interest on their balances, while enjoying all the benefits of checking.   With a minimum of $100 to open the account, you could be on your way to managing your money successfully.  To avoid a $5 monthly service charge just (1) complete at least six debit card transactions (excluding ATM transactions), (2) have one direct deposit or direct debit and (3) maintain a minimum balance of $500.   Contact your personal banker for additional information.  Signup for eStatements and avoid a $1 monthly service charge per account statement mailed.

Open an Ultimate Interest Checking

Contact us today to open an account or to determine which account is the right account for you!

Teen Checking

A checking account designed for teens and parents to work together towards financial responsibility and independence.  With this account, parents can set up text or email alerts that notify them and their teen each time a debit card transaction occurs on the account.  Parents can also set up daily balance alerts, set daily spending limits, and limit ATM usage.

Features Include:

  • Only $50 to open the account
  • No minimum balance requirement
  • No monthly maintenance fee
  • Online Banking with Bill Pay
  • Mobile Banking with Mobile Deposit
  • Email and Text Alerts
  • eStatements ($1 per month for mailed statements)
  • MasterCard® Debit Card
  • No ATM Foreign Fees or Surcharges thru the Money Pass® ATM Network
  • Requires parent or guardian as signer on the account
  • No overdraft protection available
Teen accounts are designed for teens ages 13-17 and require a parent or guardian as a signer on the account who is an existing customer of CNB.

Inquire about a Teen Checking Account

Contact us today to open an account or to determine which account is the right account for you!

Student Checking

Designed to make it easy for students to get cash, make purchases on campus, and keep track of spending – all without paying a monthly fee.

Features Include:

  • Only $50 to open the account
  • No minimum balance requirement
  • No monthly maintenance fee
  • Online Banking with Bill Pay
  • Mobile Banking with Mobile Deposit
  • Email and Text Alerts
  • eStatements (required)
  • MasterCard® Debit Card
  • No ATM Foreign Fees or Surcharges thru the Money Pass® ATM Network
  • No fee to use other banks’ ATMs in the U.S.1
  • Unlimited CNB St. Louis Bank ATM usage
To qualify, students must be between 18 and 23 years of age.   

1Rebates for surcharges at other banks limited to $12 dollars per monthly statement.

Open a Student Checking Account

Contact us today to open an account or to determine which account is the right account for you!

Seniority Club Checking

If you’re 60 or older and have $1,000 in ANY CNB bank account, you can enjoy a first-class checking account with the features of a regular account with no monthly fees.

Features Include:

  • No monthly maintenance fee
  • Online Banking with Bill Pay
  • Mobile Banking with eAlerts
  • MasterCard® Debit Card
  • No ATM Foreign Fees or Surcharges thru the Money Pass® ATM Network
  • Unlimited CNB St. Louis Bank ATM usage
  • eStatements available
  • Photo image of check(s) included with paper statement
  • Automatic funds transfer available from another account
  • Only $100 to open the account
  • Interest compounded monthly*
*If daily balance falls below $1,000, no interest will be earned.

Open a Seniority Club Account

Contact us today to open an account or to determine which account is the right account for you!