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Checking Accounts

Personal Checking Accounts

CVNB is a bank built by the community and for the community. We are here to serve you. Learn more about us.

Cumberland Checking

  • Unlimited check writing
  • No minimum balance
  • Debit MasterCard®, Online Banking and BillPay services, and overdraft protection*.
  • First box of checks is free.
  • Option to receive monthly paper statements at a $2.00 charge, or to enroll in E-Documents to receive statements online for free.

Classic Club

  • Earns interest weekly (interest will be compounded and credited to your account every statement cycle)
  • Opening deposit of $50 is required
  • Debit MasterCard® available at no charge
  • Free online Banking with BillPay

Neighborhood Club

  • Two free check orders per year
    $10,000 optional accidental death and dismemberment insurance including common carrier overage (additional coverage available with a monthly fee)
  • 25% discount on a safe deposit box rental (one time only)
  • After-hours loan banking by appointment
  • Receive a 50% reduced membership fee for Adults 62 or over

Establish Checking

  • No minimum balance
  • Unlimited check writing, Online Banking and Mobile Banking, BillPay, and Debit MasterCard®
  • Debit card withdrawal limit of $100.00 per day
  • Customers who stay on good terms for one (1) consecutive year may be eligible to upgrade to another account

Cumberland NOW® Checking

  • Account earns interest (compounded monthly and credited to the account monthly) This rate is subject to change weekly. If the balance falls below $10,000 on any day of the month, your account will be charged a $10 service fee
  • $10,000 deposit is required to open the account
  • Debit MasterCards® are available at no charge.
  • Account offers Platinum MasterCard® with no annual fee**
  • Unlimited check writing
  • Free ATM usage worldwide
  • Free checks**

The Cumberland Reserve®

  • Account earns interest (interest will be compounded monthly) Interest will be credited to your account monthly
  • Limit of six (6) transactions per thirty (30) day statement cycle
  • If balance falls below $10,000 anytime during the month there will be a $10 service fee.** Fees could reduce earnings on your account**
  • This account is not available for government funds
Account Minimum Balance to Open Unlimited Check Writing, Mobile and Online Banking Interest Earned Debit Card
Cumberland Checking No Minimum Balance Yes Yes, compounded monthly Debit MasterCard®
Classic Club No Minimum Balance Yes Earns interest at the prevailing rate adjusted on a weekly basis Debit MasterCard®
Neighborhood Club two free check orders per year
Establish Checking No Minimum Balance Yes Debit MasterCard®
Cumberland NOW Checking $10,000 deposit to open account
Yes Debit MasterCard®
The Cumberland Reserve Yes, compounded monthly

Cumberland Checking

The Cumberland Checking Account is the best deal on the street. It offers unlimited check writing, no minimum balance, Debit MasterCard®, Online BankingBillPay services, and overdraft protection*. Even your first box of checks is free. CVNB also gives customers the option to receive monthly paper statements at a $2.00 charge, or use Online Banking to enroll in e-Documents to receive statements online for free.

Classic Club

If you’re 62 or better, enjoy no minimum balance requirements and no service charges. This account earns interest at the prevailing rate adjusted on a weekly basis. Interest will be compounded and credited to your account every statement cycle. An opening deposit of $50 is required. Debit MasterCard® available at no charge and Online Banking with BillPay is free.

Neighborhood Club

The Neighborhood Club at CVNB is much more than basic checking. It's an affordable package of the products and services you want most. This account offers a wealth of extras for the low monthly fee of $6.25.

These services include two free check orders per year, $10,000 optional accidental death and dismemberment insurance including common carrier overage (additional coverage available with a monthly fee), 25% discount on a safe deposit box rental (one time only), and exclusive after-hours loan banking by appointment.

Plus if you are 62 or over, you'll enjoy all these benefits at a 50% reduced membership fee.

Establish Checking

We’ve all made mistakes. Bad banking history? This account is made just for you. Your mistakes don’t have to follow you anymore. CVNB offers a second chance with a low monthly fee of $8.95.

This account offers no minimum balance, unlimited check writing, Online Banking and Mobile Banking, BillPay, and Debit MasterCard®. Debit card withdrawal limit of $100.00 per day. Establish Customers who stay on good terms for one (1) consecutive year may be eligible to upgrade to another account.

Cumberland NOW® Checking

Your NOW account will earn interest compounded monthly and credited to the account monthly. This rate is subject to change weekly. If the balance falls below $10,000 on any day of the month, your account will be charged a $10 service fee. A $10,000 deposit is required to open the account. Debit MasterCards® are available at no charge.

This account also offers Platinum MasterCard® with no annual fee**, unlimited check writing, free ATM usage worldwide, and free checks on the Cumberland NOW® Account**.

The Cumberland Reserve®

This account may be opened by businesses or individuals. The Cumberland Reserve® has a variable rate. The interest rate and annual percentage yield for your account depend upon the applicable rate tier. The interest rate and annual percentage yield for these tiers may change. At our discretion, we may change the interest rate on your account. Interest will be compounded monthly. Interest will be credited to your account monthly. There is a limit of six (6) transactions per thirty (30) day statement cycle. If the balance falls below $10,000 anytime during the month there will be a $10 service fee.** Fees could reduce earnings on your account.** This account is not available for government funds.

*Subject to approval
**Some restrictions may apply
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Savings Accounts

Start saving today with a CVNB savings account.
We offer several options to make saving more convenient for our customers.

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CVNB is committed to serving its six communities throughout Kentucky.