Mobile Banking FAQs

To use Mobile banking, you must have a CNB Internet banking account with enrollment in Mobile banking. You also will need an Android™ smartphone running version 4.4 or later with a screen size no less than 3.5" diagonally or an iPhone™ or iPad™ running iOS 9.0 or later.

Android is a trademark of Google, Inc. iPhone and iPad are trademarks of Apple, Inc.

Mobile banking is a service that gives you access to your bank accounts through an app used on a cell phone or mobile device. This service offers other features such as Mobile deposit.

You can do the following using the Mobile banking app:

  • Transfer money between accounts
  • View account history
  • View bank statements
  • View checks
  • Manage debit cards (activate, close or suspend)
  • Pay bills using the iPay feature
  • Obtain CNB office information
  • Deposit checks with the Mobile deposit feature

To use Mobile banking, you must have a CNB Online banking account with enrollment in Mobile banking and the CNB mobile banking app. Learn more about compatible devices on the Mobile banking page.

Mobile banking

No enrollment is necessary to use Mobile banking. You just need to have a CNB Online banking account, a compatible device and download our mobile banking app.

The CNB mobile app is available on the Apple Store and Google Play Store. Please go to and in the footer select the link to download the app appropriate for your device.

Your Mobile banking ID and password are the same as your Online banking NetXpress ID and password.

We do not charge for Mobile banking, but there may be charges for specific services associated with Mobile banking. Standard message and data rates may apply and international rates may apply if you are outside of the United States.

You are responsible for all charges and fees associated with text messaging imposed by your wireless service provider.

You can view eStatements in Mobile banking but you will need to sign up through the Online banking full site first by using a browser and going to Click the link below for a step-by-step guide.

Sign up for eStatements

The mobile banking app has many security features. However, it's the user's responsibility to use the Mobile app on a secure device. Learn more about steps to take to secure your mobile device in the security section of our website.


If you know your ID or password has been compromised, lost, stolen or used without your permission, please call us as soon as possible at 802-338-7915 or 1-800-870-2598.

If it is after banking hours, you can manually lock your Online or Mobile banking account by using your username and typing in the wrong password three times. This will lock the account until you can contact your local banker during office hours to know what further steps must be taken.

If you accounts are showing in Online banking but not Mobile banking you will need to add the accounts to your Mobile banking options. Log in to Online banking and select  "Mobile Settings" and click "View Mobile Settings". Then, check the box next to the account that you would like to manage in Mobile banking.

If you have any questions about adding an account or do not see the account in the list, please contact a CNB representative and we can help add the account for you.

You may call your local office to reset your password or you can reset it yourself if you activate the "forgot password" feature.

To activate the "forgot password" feature to reset your password you will need to enter information in Online banking first. Login and go to "Options" and "Personal". Verify your email address and phone number then add a password reset question and password reset answer. You may enter any information in these fields and they can be changed at any time.

You will be prompted to change your password every 6 months. Users are allowed 3 invalid sign on attempts before the account locks. You will need to call the bank or use the "forgot password" feature to unlock your account.

Once enrolled in iPay through Online banking, paying bills is available on Mobile banking.

Online banking

It's a safe and secure way to deposit checks directly into your CNB deposit account anytime, anywhere from your mobile device within the United States. You can skip the trip to the ATM or the bank and make a deposit on the go.

Security is very important to us. All the information you send us is protected with device recognition technology and Mobile banking data encryption. We never store your passwords or check deposit data images on your mobile device.

Personal and business account deposit limits for Mobile banking are $1,500 per day and $4,500 per calendar month.

If this limit is not adequate to meet your needs, please contact a CNB representative to discuss a possible limit increase.

Checks made payable to you and drawn on a bank within the United States.

Listed are examples of checks that Can Not be deposited:

  •     Third-party checks (checks not made payable to you)
  •     Substitute checks
  •     Returned checks
  •     Incomplete checks
  •     Non-negotiable items
  •     Foreign checks (this includes Canadian checks)
  •     Stale-dated checks
  •     Altered checks
  •     Checks you suspect may be fraudulent
  •     Money Orders
  •     Cashier's Checks
  •     Checks in which the numeric amount does not match the legal line, which is the amount written below the payee.

Business days are Monday through Friday, excluding legal holidays. If you make a mobile deposit before 4:00 p.m. (Eastern Time) on a business day, we will consider that day to be the deposit date. If you make a mobile deposit after 4:00 p.m. on a business day or on a non-business day, we will consider the deposit date to be the next business day. Funds deposited by mobile deposit will be available on the next business day after the deposit date, subject to holds that will be placed on deposited checks in accordance with Regulation CC guidelines. Contact us for further details.  

If you need immediate use of the funds, please make your deposit in person at an office location.

After you receive confirmation that the deposit had been accepted, securely store the original check for 14 days. After 14 days, please destroy the check that has been accepted for deposit. We recommend shredding the check.

For best image results, center the check within the rectangular guides. Be sure you are in a well-lit area and take the photograph directly above the image. Place the check on a solid background to avoid interference which may help the camera recognize the check.

You will be notified two ways. A pop-up message will appear on your mobile device confirming your transaction is “Pending Approval”. Once the transaction has been completely processed, you will get an email from [email protected] which will note whether the deposit has been “Approved”, "Declined” or “Adjusted”. You may also review the history by choosing the “Review Deposits” option. Please review the confirmation notifications carefully to be sure the deposit was approved and not declined or adjusted.