CNB Bank and Trust, N.A.

Overview / Commentary
450 West Side Square
Carlinville, IL 62626

CNB Bank and Trust, N.A. is headquartered in CARLINVILLE and is the 38th largest bank in the state of Illinois. It is also the 671st largest bank in the nation. It was established in 1888 and as of December of 2023, it had grown to 254 employees at 18 locations. CNB Bank and Trust, N.A.'s money market rates are 5X the national average, and it has a B+ health rating.

Reviews (2)

Avoid At All Costs!!!

Posted by: |

I’ve never left a business a negative review….too many Karens out there quick to jump on the internet and every business has a bad day every now and I give businesses the benefit of the doubt and if I notice a pattern then I simply take my business elsewhere. However, I feel like it’s a community service to let the public know about this bank…

Interest used to be pretty solid for a checking account but now is horrendous. They are supposed to reimburse for ATM fees (up to a whopping $12 on their eAdvantage) but they don't. They have a really low ATM withdrawal limit. I think it's like $200 to $300, which I've called and changed twice but they never changed it. Mobile deposit doesn't work half the time (app can’t read the check even though my phone has the best camera on the market). Sometimes mobile deposits are declined (ie: check was for 20.12 and i typed in 20.21, which is fine, probably a law they have to follow) however sometimes they didn’t notify me that deposits we declined. I try to review approved/decline mobile deposits but you can only see this info for a month, so I worry if any were declined over the years that I didn’t notice. Online banking and their app doesn't work half the time (it’s down and you have to try back later), their brick and mortar hours aren’t good, and they don't have a 24/7 customer service number (god forbid something happens on an evening or a Sunday). They have declined normal transactions (oversensitive/poor fraud protection) for small amounts w/ merchants I’ve used several times.

With all that said, I just moved to a new bank and kept my mouth shut. Fast forward to now, I have a 70 year old relative who is a customer (not for too much longer) who was phished. We have been going back and forth for a couple weeks and they have been unsympathetic and unhelpful. Final answer is he’s on the hook for the fraud. Also, their phone has been busy for the last 2 hours (great customer service right there). Some of their accounts don not have fraud protection which I thought was a federal law but who knows.

Avoid at all costs! Scum! In less than 30 minutes, I’ve already had 4 people switch so at least it makes me feel good and I’m going to get that number way higher. I recommend anyone reading this do the same or if you’re considering doing business with them, look elsewhere. I will say their staff on Morton is awesome (which they acquired from Jacksonville Savings Bank). A lot of their employees are jumping ship and moving to different banks (I wonder why).

Refuses To Accept Checks Written By Their Account Holders.

Posted by: |

I Stopped in at the Hillsboro Il. branch of this bank to cash a check from one of my clients. The bank refused to honor the promissory note from that bank written by one of their account holder since I didn't have an account there. The bank did tell me that they would allow the account holders to give me the money that both my client and I agreed on for the payment of services to be rendered IF I gave the bank some money as a "fee" These people almost lost their wedding photographer simply because their bank refused to honor their promissory note unless they got their share of the personal business transaction. I will not accept checks from clients with this bank any longer.


Health Grade Components

FDIC Certificate #3775
Year Established1888
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD0.94%
Return on Equity - YTD12.63%
Annual Interest Income$75.3MM
Assets and Liabilities
AssetsQ4 2023vs Q4 2022$1.67B$1.6B
LoansQ4 2023vs Q4 2022$1.15B$1.01B
DepositsQ4 2023vs Q4 2022$1.41B$1.35B
Equity CapitalQ4 2023vs Q4 2022$131.2MM$118.1MM
Loan Loss AllowanceQ4 2023vs Q4 2022$13.6MM$11.1MM
Unbacked Noncurrent LoansQ4 2023vs Q4 2022$8.2MM$14.1MM
Real Estate OwnedQ4 2023vs Q4 2022$10K$0
Report an Issue

Always verify rates and promotions with the bank or credit union. We are not CNB Bank and Trust, N.A.; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

† The rates for some products vary by region. In these cases we have listed the rates for the region closest to the bank's headquarters.

CNB Bank and Trust, N.A. Savings Account Rates

2.27%*$250k*$4mNon-Personal Progressive Savings
OTHER TIERS: 0.10% $4m+ | 0.55% Up to $50k | 0.75% $50k - $100k | 2.17% $100k - $250k
2.17%*$250k*-Progressive Savings
OTHER TIERS: 0.45% Up to $50k | 0.65% $50k - $100k | 2.12% $100k - $250k
1.80%*$100k*-IRA Savings
OTHER TIERS: 1.61% Up to $100k
0.95%*$5k*-Health Savings Account
OTHER TIERS: 0.75% $500 - $5k
0.65%$40-Accumulator Savings
0.50%$50-Christmas Club
0.25%$200-Personal Savings
0.25%--Youth Savings
0.20%$200-Business Savings

CNB Bank and Trust, N.A. Money Market Rates

2.43%*$1m*-Business Money Market
OTHER TIERS: 0.80% $2.5k - $50k | 2.22% $50k - $500k | 2.38% $500k - $1m
2.38%*$500k*-Money Market
OTHER TIERS: 0.80% $2.5k - $50k | 0.90% $50k - $100k | 2.27% $100k - $500k
1.21%$25k-Public Fund Money Market

CNB Bank and Trust, N.A. Checking Account Rates

1.26%*-$15kElite eVantage
OTHER TIERS: 0.10% $15k+
0.70%*$50k*-Premium Checking With Benefits Powered By Bazing
OTHER TIERS: 0.20% $1.5k - $20k | 0.30% $20k - $50k
0.25%$2.5k-Business Checking

CNB Bank and Trust, N.A. CD Rates

4.04%$1k-6 Month CD
4.04%$1k-12 Month CD
4.02%$1k-9 Month CD
3.33%$1k-60 Month CD
3.28%$1k-48 Month CD
3.23%$1k-36 Month CD
2.52%$1k-18 Month CD
2.52%$1k-24 Month CD
2.52%$1k-30 Month CD
1.00%$2.5k-7 - 31 Day CD
1.00%$1k-3 Month CD


The financial institution, product, and APY (Annual Percentage Yield) data displayed on this website is gathered from various sources and may not reflect all of the offers available in your region. Although we strive to provide the most accurate data possible, we cannot guarantee its accuracy. The content displayed is for general information purposes only; always verify account details and availability with the financial institution before opening an account. Contact [email protected] to report inaccurate info or to request offers be included in this website. We are not affiliated with the financial institutions included in this website.