We now have 21 locations in New Jersey & New York City to serve you.

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Phone: 1-844-266-2548
Email: support@cnob.com

Product Rates



Interest Rate

 3 Month Personal Certificate of Deposit 0.752%  0.75% 
 6 Month Personal Certificate of Deposit 1.005% 1.00% 
12 Month Personal Certificate of Deposit 1.31% 1.30% 

15 Month Personal Certificate of Deposit* 

*Online Only

1.714% 1.70%
18 Month Personal Certificate of Deposit 1.612%  1.60% 
24 Month Personal Certificate of Deposit 1.612%  1.60% 
36 Month Personal Certificate of Deposit 1.765%  1.75% 
48 Month Personal Certificate of Deposit 1.867%  1.85% 
60 Month Personal Certificate of Deposit 2.020%  2.00% 


* Annual Percentage Yield (APY) is effective as of 7/14/2017 and subject to change at any time and without notice. Early withdrawal penalties may be imposed and the fee could reduce interest and principle for CDs. This offer may be withdrawn at any time without prior notification.


Miscellaneous Bank Fees and Charges

Item Fee
Accounting Fee for Account Reconcilement $25.00/hour
ATM/Debit Card Replacement $5.00
ATM/Debit Card Rush Order $10.00
Check/Deposit Slip Printing Fee Prices Vary
Domestic Collections Outgoing $25.00
Foreign Collections Outgoing $25.00 + corres fee
Consulate Letter


Coupon Envelope Processing $10.00
Redeposit/Return Item Charge 


Dormant Account/Escheat Fee $5.00 / $25.00
Foreign Currency/Purchase/Sale $10.00 + S/H
Levy Processing Fee $100.00
Money Orders


Night Deposit Bag $15.00
Overdraft/Insufficient Funds/Uncollected



$25.00 per hour

Image Retrieval > one year old  $10.00
Image Retrieval < one year old 


Returned Coupon Envelopes


Returned Statement Fee $10.00
Returned Checks/Deposited Item


Safe Deposit/Lost Key/Drilling $15.00 / $150.00
Safe Deposit Box Late Fee $15.00
Special Statement Cutoff $5.00
Stock Purchase and Transfers


Treasury Bills and Notes $40.00
Stop Payment $25.00
Treasurer’s Checks $10.00
Wire Transfer/Outgoing Domestic


Wire Transfer/Outgoing International $40.00
Fees for Excessive Transactions

$10.00 per item over 6



By operation of federal law, beginning January 1, 2013, funds deposited in a noninterest-bearing transaction account (including an Interest on Lawyer Trust Account) no longer will receive unlimited deposit insurance coverage by the Federal Deposit Insurance Corporation (FDIC). Beginning January 1, 2013, all of a depositor’s accounts at an insured depository institution, including all noninterest-bearing transaction accounts, will be insured by the FDIC up to the standard maximum deposit insurance amount ($250,000), for each deposit insurance ownership category.

For more information about FDIC insurance coverage of noninterest bearing transaction accounts, visit http://www.fdic.gov/index.html

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