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CNB's Overdraft Privilege Service

Overdraft Privilege is a discretionary overdraft service, requiring no action on your part, that provides a safety net up to an automatically assigned overdraft limit. 

Overdraft Protection with a CNB Deposit Account

To sign up for this service, you must have a CNB deposit account.

You only pay for the protection if it is used. If your CNB checking account becomes overdrawn, we will automatically transfer money in increments of $25.00 from your deposit account to your checking account to cover the overdraft. A fee will be automatically deducted from your checking account.

TK Club, Community’s Promise, IDA, and escrow savings accounts are ineligible to be used for overdraft protection. Transfers are subject to the transaction limitations described below.

Transfers from a regular savings or money market account to another account or to third parties by pre-authorized, automatic, or telephone transfer are limited to six per month.

Overdraft protection will be effective two business days from receipt of the signed authorization.

Overdraft Protection with a CNB Home Equity Line of Credit or Line of Credit

To sign up for this service, you must have a CNB Line of Credit.

You only pay for the protection if it is used. If your CNB checking account becomes overdrawn minimum transfer requirements and interest rates may apply when using Line of Credit services.

Overdraft protection will be effective two business days from receipt of the signed authorization.

To Avoid Overdraft Fees Take a Tour of our Checking Navigator

This educational tool is designed to help you understand bank terminology and the importance of account balancing and keeping a record of account transactions. It takes approximately 45 minutes to complete the tour. https://communitynationalbank.checkingnavigator.com.