Last Updated: 01/21/2026
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Highlights
Welcome Offer
N/A(Verified 09/28/2022)
Cashback Rewards
N/A
APY (Annual Percentage Yield)
0.05% - 1.75%(Verified 06/21/2024)
Disclaimer popup with additional information
Monthly Service Fee
$0 - $7(Verified 01/21/2026)
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CNB Simply Checking Review
The CNB Simply Checking is offered by CNB, a bank founded in 1973 and based in Sevierville, TN. CNB Simply Checking is available in 1 state.
Key Takeaways
- Up to 1.75% annual percentage yield (APY). This account offers an annual percentage yield of up to 1.75%, which is much higher than the average for the checking accounts that we track
- Charges a monthly fee. This account charges a monthly fee of up to $7, but the fee may be waived if you keep a minimum balance of$100.
- No minimum initial deposit. There is no minimum balance required to open an account online.
- Bill pay. Pay your bills to practically anyone in the United States when you enroll in CNB mobile or online banking.
CNB Simply Checking Pros & Cons
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CNB Simply Checking FAQ
Are checking accounts from CNB federally insured?
Yes, your deposits are insured by the Federal Deposit Insurance Corporation (FDIC). The FDIC is an independent agency of the United States government that protects you against the loss of your insured deposits if an FDIC-insured bank or savings association fails. FDIC insurance is backed by the full faith and credit of the United States government.
What APY does CNB Simply Checking offer?
CNB Simply Checking offers an APY starting at 0.05% and ranging up to 1.75% (APY stands for annual percentage yield, rates may change).
| Rates | Amount |
| APY (Annual Percentage Yield) | 0.05% - 1.75% |
What are the account minimums for CNB Simply Checking?
CNB Simply Checking does not require a minimum initial deposit.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Average Balance to Avoid Monthly Service Fee | Starting at $100 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Opening Deposit | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
What fees does CNB Simply Checking charge?
This account charges a monthly maintenance fee each statement cycle of up to $7.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Monthly Service Fee | $0 - $7 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Paper Statement Fee | Starting at $2 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| ATM Fee: In-Network | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Bank Teller Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Check Cashing Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Online Bill Pay Fee | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Check Image Service | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
What features and perks does CNB Simply Checking offer?
This account includes the following features:
- Check images with statement - Reconciling your accounts and complying with document retention standards is easier when you have access to a copy of your checks.
- Fraud monitoring - CNB Simply Checking monitors transactions for potentially unauthorized activity, such as when a debit card is unexpectedly used in a different location or you make a sudden string of costly purchases.
- Online Bill Pay - Online Bill Pay allows you to pay bills easily from your account.
- Mobile Banking Services - CNB Simply Checking allows you to manage your money online or with a mobile app. This includes depositing checks1 in your account with a mobile app on your smartphone.
What is the customer support email for CNB Simply Checking?
The customer support email for CNB Simply Checking is bank@cnbtn.com.
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Message from CNB Simply Checking
Hours of Operation
Sunday
Closed
Monday
8:00AM - 4:00PM
Tuesday
8:00AM - 4:00PM
Wednesday
8:00AM - 4:00PM
Thursday
8:00AM - 4:00PM
Friday
8:00AM - 4:00PM
Saturday
8:00AM - 8:00AM