CNB Bank and Trust, N.A.

Avoid At All Costs!!!

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 then..so 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).