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posted: Dec. 7, 2005 @ 4:04a



I was wondering what you all thought about this bank. It almost seems to good to be true

1) No ATM fee. ( From them or another bank)

2) 4.03% intrest

3) Free bill pay

4) Free Online Banking

5) Unlimeted free checks

6) Free Bank to bank transfers

7) Free Cheeck Card

8) Free image checks on line

9) No service fees

10) No monthly minium balance to maintain


$1oo to open

All you got to do is use your check card 10 times in a month (excluding ATM transactions)

Receive Monthly Statement electronically

Provide a valid email address

Direct Deposit of Payroll or Government Benefit

I is this to easy to be true. Let me know what you all think

www.cnbt.com
posted: Dec. 7, 2005 @ 4:04a

posted: Dec. 7, 2005 @ 5:27a

Yep.
posted: Dec. 7, 2005 @ 7:18a



Sorry for this question but I do not understand what you are saying. Are you saying that it is to good to be true (meaning that it not true). Or are you saying that it is true/

Thanks
posted: Dec. 7, 2005 @ 7:25a

Two issues:

Requires direct deposit & have to use check card 10X per month. I prefer to use credit cards. For the most part, a great deal though!
posted: Dec. 7, 2005 @ 1:52p

Clocks said: Requires direct deposit & have to use check card 10X per month. I prefer to use credit cards. For the most part, a great deal though!

I have the same two issues.

Though, for folks with DD and who use check cards, this looks like a winner.
posted: Dec. 7, 2005 @ 8:26p

The check card is not a big deal if you buy your lunch. I buy a salad everyday, so I would just need to use the card for two weeks every month. I would not be missing out on a large amount of Cash Back either.

Does anyone have experience with this bank? Are their rates historically high?
posted: Dec. 8, 2005 @ 2:38a


From my understanding. There rates have always been in the top tier( maybe not the best but in that catagory). Again this is just my understanding. I think that this might be a perfect main online checking account. I mean they just have so many different stuff.

It seems like not to many people have expearnce with this bank, so I guess my question should be are there any other banks that can compare to this one.
posted: Dec. 8, 2005 @ 2:49a


I also found this thread under fat wallet disscusion about CNBT. I believe it is dated some time in jan 2005. I am posting this ( not because nobody could find it) because it atleast give you a idea and a chance to compare the APY from cnbt and a few other banks at that time from a year ago ( almost).
posted: Dec. 8, 2005 @ 2:50a

Sorry here is the link

http://www.fatwallet.com/redirect/bounce.php?afsrc=1&url=http://www.fatwallet.com/t/52/430052
posted: Dec. 8, 2005 @ 4:12a

Good lord...that's a very nice deal.
posted: Dec. 8, 2005 @ 6:38a

I found this, but it is kind of old:

http://groups.msn.com/OnlineBanking/cnbtcom.msnw


I chatting with a service rep online yesterday to try and get a fee schedule, or just something more detailed than their main "sell". I am not sure she knew what I meant, and said the were "no fees". Anyway, she is mailing me the "disclosures". She said there was unlimited ATM reimbursement. She said the disclosures she is sending would have any info such as wire transfer fees, early account closure, etc... If anyone finds it on their site, please post the link.
posted: Dec. 11, 2005 @ 1:56p


I received the discloser agrement in my e-mail the other day. I would post it if I could Seems interesting
posted: Dec. 11, 2005 @ 2:04p

I sent you a pm.

If only this account had rewards on it's debit card.......
posted: Dec. 11, 2005 @ 2:12p

Closed mine 2 years ago. DD wasnt required back then, and only 4 debit card charges were required. As you can see, they frequently change the T&Cs, and grandfathering under older terms required intervention to remind them.


Hmm, they do seem to seemingly refund all ATM fee, but I find it hard to believe that it will be unlimited. Using BofA 15 times a month, and that comes to $22.50
posted: Dec. 11, 2005 @ 6:36p

Are you saying their customer service was not the best? Were you generally unhappy with the account?
posted: Dec. 13, 2005 @ 3:34p

Except for the ATM rebates, Presidential Bank is better. More like a real checking account with mailed statement including returned checks.
posted: Dec. 27, 2005 @ 3:55a

Clocks

I am sorry, I did not get your message. Could you e-mail me at eac752@hotmail.com. I will send you the discloser form as it was sent to me.

Open the account the other day so far so good.




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