CNB Bank and Trust, N.A.


Overview / Commentary
217-854-2674
450 West Side Square
Carlinville, IL 62626

CNB Bank and Trust, N.A. is headquartered in CARLINVILLE and is the 39th largest bank in the state of Illinois. It is also the 651st largest bank in the nation. It was established in 1888 and as of March of 2025, it had grown to 259 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 (1)

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 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).



Health
B+

Health Grade Components

Overall
FDIC Certificate #3775
Year Established1888
Employees259
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD0.93%
Return on Equity - YTD11.84%
Annual Interest Income$23.1MM
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$1.8B$1.71B
LoansQ1 2025vs Q1 2024$1.27B$1.16B
DepositsQ1 2025vs Q1 2024$1.51B$1.45B
Equity CapitalQ1 2025vs Q1 2024$141.8MM$130.8MM
Loan Loss AllowanceQ1 2025vs Q1 2024$13.8MM$13.5MM
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$11.1MM$7.8MM
Real Estate OwnedQ1 2025vs Q1 2024$188K$10K
Rates
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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

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.17%*$250k*$4mNon-Personal Progressive Savings
OTHER TIERS: 0.10% $4m+ | 0.55% $0 - $50k | 0.75% $50k - $100k | 2.07% $100k - $250k
2.07%*$250k*-Progressive Savings
OTHER TIERS: 0.45% $0 - $50k | 0.65% $50k - $100k | 2.02% $100k - $250k
0.65%$40-Accumulator Savings
0.60%*$5k*-Health Savings Account
OTHER TIERS: 0.50% $500 - $5k
0.50%$50-Christmas Club
0.25%$200-Personal Savings
0.25%$0-Youth Savings
0.20%$200-Business Savings

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

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.32%*$1m*-Business Money Market
OTHER TIERS: 0.70% $2.5k - $50k | 2.12% $50k - $500k | 2.27% $500k - $1m
2.27%*$500k*-Money Market
OTHER TIERS: 0.70% $2.5k - $50k | 0.80% $50k - $100k | 2.17% $100k - $500k
1.21%$25k-Public Fund Money Market

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

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.26%*$0$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

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.10%$1k-6 Month CD
4.00%$1k-9 Month CD
4.00%$1k-12 Month CD
3.25%$1k-60 Month CD
3.00%$1k-48 Month CD
2.75%$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

CNB Bank and Trust, N.A. IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.80%*$100k*-IRA Savings
OTHER TIERS: 1.61% $0 - $100k
Locations

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