Consumer Accounts
No monthly maintenance fee, but must be opened with $500 or more.
What is HighYield Checking
A special account for Law Firms that contribute interest from Trust Accounts to the MS State Bar Association.
What is an IOLTA
The difference between the value of your home and what you owe on your mortgage (if the value is greater than the debt).
What is equity (or home equity).
Answered before three rings followed with a standard greeting (External, Internal or Interdepartmental)
What is Telephone
We process Credit and Debit Cards of all types
What is Merchant Services
Can be opened for customers who have had charged off accounts at other banks.
What is CleanSlate Checking
With a minimum balance of $2500 the monthly maintenance fee is waived.
What is BusinessBlue Checking
A loan/line based on just my credit and income (no collateral).
What is unsecured.
Leave a contact name and number for an alternate CNB employee here when you will be out for an extended period of time.
What is Voicemail
Provides Payroll Direct Deposit for Employees to lower business administrative costs
What is ACH
Monthly fee waived if you are 25 or younger, 62 or older, have $100 direct deposited monthly, swipe your debit card 10 times or keep a balance of $500.
What is ClassicBlue Checking
Earns interest and requires an opening deposit of $50,000.00. The same amount kept as a minimum balance will waive the $20 maintenance fee.
What is My Business Financial Freedom Savings.
The longest term for a vehicle that has never been titled.
What is 72 months.
Greet promptly and enthusiastically
What is Client/Employee Greetings
Prevents Check fraud by only allowing transactions with checks that were presented for payment
What is Positive Pay
Starting tomorrow (Sept 1), this account no longer has a monthly maintenance fee or minimum balance requirement.
What is SmartBlue Savings
This account is usually best for Associations and Organizations like Booster Clubs or Not for Profit Charities. A $500 minimum balance waives the monthly maintenance fee.
What is Community Checking
40%
What is our Max DTI for most loans
Follow the bank's vision by asking every client needs-based questions to uncover opportunities to add value.
What is our Sales Culture.
Make deposits conveniently and securely while reducing costs and eliminating the liability of an employee traveling to and from the bank.
What is eDeposit
A savings account that allows all six withdrawals per month with no excessive withdrawal fee. You can even write checks on this savings.
What is a Money Market Account
Designed for Money Service Businesses and cash intensive businesses such as ATM replenishers, this account requires approval from your Regional President.
What is Specialty Cash business Checking
Collateral that is 6 acres or less with available water, sewer and electricity.
What is an Improved Lot
Listen attentively and be empathetic with the client if they have a concern or an error has occurred.
What is Opportunity Resolution
Expedite payment processing by automating and simplifying accounts receivable administration.
What is Lockbox Services