Two friends sitting outside and laughing.

Account Services

We have Visa® Debit Cards available for your convenience

Visa Debit Card

There is no fee or service charge to use our consumer debit cards. You may also use your Visa Debit Card at any retail establishment where Visa Cards are accepted to purchase goods and services. Our Visa Debit Cards are accepted worldwide at any location that displays the VISA network symbol; simply let a representative know if you will be traveling! If you should lose your card, report it to the bank immediately or call VISA directly at 1-800-472-3272. Be sure to keep your Visa card number in a safe place for reference in situations like this.

Overdraft Protection

 An additional benefit for you is our savings-to-checking overdraft protection. This service will transfer money from your savings to your checking in the event that you were going to overdraw your account. With savings-to-checking overdraft protection, you will avoid an overdraft on your checking account as well as the overdraft fee.

We also offer a loan that is attached to your checking account and in the event of an overdraft the loan account would place money in your checking account to avoid an overdraft and the overdraft fee. Subject to approval.


Go Green! Save on the storage and shredding hassle by signing up for eStatements! Your statement is available right in your internet banking!

eStatements offer a simple, free and secure way to receive your monthly deposit account statements. Why are more people switching to eStatements?

  • Saves paper and helps the environment
  • They are secure – CLNB uses the highest level of protection available
  • Are available to view sooner than paper statements
Sign-up for eStatements Today within Internet Banking!  Go to Profile, then select Electronic Statements!

Bank Information Line (BIL)

The Bank Information Line (BIL) is a 24-hour a day, 7 days a week automated service that CLNB provides for our customers.  This service allows you to inquire about your balances, check the status of checks you have written and even transfer funds between CLNB accounts. BIL: (315) 889-3503

Safe Deposit Boxes

 Protect your valuables and important documents; store them in a safe and secure place. New box customers are eligible for their first year’s rental free! Inquire today with one of our Customer Service Representatives.
An older couple standing outside with coffee mug leaning against an RV.

Take your vacation on the road!

Our region is filled with hidden treasures. Explore every one of them in a new motorhome, camper, boat, snowmobile or motorcycle.

Close up of someone's hands taking a picture of a check with their phone.

Bank when and where you want!

Mobile Banking with Mobile Deposit is easy and convenient. Transfer funds, pay bills, check balances, even make deposits using your smartphone.