Canandaigua National Bank & Trust S Main St, Canandaigua

I would not recommend this bank to anyone. I am now four months into a vehicle loan and am still UNABLE to make an online payment. After many calls, visits to a branch and more emails than I can count I'm over it. If you make a payment by phone they charge you a fee. As a business I have multiple vehicle loans and none of the organizations I work with are as difficult as CNB. DO NOT do business with this bank. Their system is something clearly implemented in the 90s and is not up to today's standards. If you like the old ways of banking, I'm sure you would be fine with their clunky out of date services. I will never do business nor recommend anyone do business with them ever.

I banked with CNB for approximately 7 years and consistently received fast, reliable, and professional banking services. I have been both surprised and impressed by the way CNB staff have made themselves available to help answer questions as well as with the way services are accessible and transparent. I highly recommend CNB to anyone looking for their next banking experience!

I almost feel bad leaving a one-star review. My grandmother was a longtime account holder and I can't remember her having any issues, including the last few years when I took over responsibility for her finances. What happened after her death, however, completely soured whatever good feelings I may have had for CNB. My grandmother died peacefully in bed in the early morning of August 1, 2021. At 94 years old, she had been collecting Social Security benefits for decades. Like clockwork, those benefits were deposited on the third of the month, and August was no different, with an account credit showing up a couple days after she had passed. As Social Security is sometimes slow on the uptake, benefits would continue to be deposited every month until around December despite them being notified of her passing. No big deal; those funds would stay where they were until Social Security asked for them back. Not the August payment, however. Social Security payments paid out are for the previous month. A benefit paid in February is for the month of January, paid in August for the month of July. This is what we were told by our funeral director, our estate lawyer, and later by Social Security themselves. If my grandmother had passed a few hours earlier she would not have been entitled to those benefits deposited on August 3, but having died August 1, she was entitled to July's benefits. That deposit belonged to her estate. CNB disagreed. I went to our local branch to inquire about what to do regarding the funds continuing to be deposited, and the banker was not immediately sure what the process would be. No big deal as I was sure at the time someone higher up was aware of what would need to be done. Someone higher up did in fact get involved, and arranged for all later funds to be returned to Social Security, but also those benefits paid in August. This was in spite of me pointing out to the CNB banker I spoke to of this passage directly quoted from Social Security: ----------------------- "What happens if the deceased received monthly benefits? If the deceased was receiving Social Security benefits, you must return the benefit received for the month of death and any later months. For example, if the person died in July, you must return the benefits paid in August. " ----------------------- It became very clear later on that this was incorrectly done, as the estate has since received correspondence and communication from the Social Security claims dept questioning why one of the benefits, the benefit paid in August, was returned. Social Security knows that this benefit should not have been returned and is in the process of once again disbursing it to the estate. We are glad and fortunate enough to be able to move this process along and have the funds returned to us, but it still burns for CNB to have done this in the first place. Multiple avenues confirmed to the estate that this August benefit belonged to us, but CNB acted unilaterally to remove it from the estate despite explanations that it would not be proper to do so. That CNB acted incorrectly is confirmed by Social Security's initial and continued response to the matter. Death is a part of everyone's life at some point, an everyday occurrence in one way or another, so it makes one wonder if such a thing has been done before to any number of bereaved persons. A grieving family has enough to deal with besides these sort of actions.

Worst customer service I’ve ever had. They take no notes per call. I’ve called in 5 days in a row spoke to a different rep and got a different story each time. All the stories contradict each other. Then I repeat what I was told from last rep to next rep and told that is incorrect. Nobody knows how to do an international transfer. I’m trying to put money into the bank and they are fighting me. I even had my other bank call several times to help and everytime they are hung up on or nothing gets done. I’ve never seen people act less professional in my life. Not to mention the fact that nobody seems to know how to do a task or admit they don’t. Now my money is in limbo and I can’t even close the account and Run not walk away from this place.

I paid off a loan. A month later, they tried to take another payment, which resulted in an insufficient funds fee from my other bank. After contacting them, I was essentially told "too bad". Customer service was rude and unprofessional. Their website is very unorganized as well. I was told it was my fault because I didn't set up the payment properly on their website. Even though this is how I was told to set it up initially when I called and set up the online account access. Not sure how it's my fault that their website is trying to collect a payment for a loan that was closed. And it is definitely not my fault if something was set up incorrectly when the same customer service instructed me to do it this way in the first place. I'm glad I'm done with them, and I'd never do business with them again.

Ive been with this bank since I moved to the Canandaigua area back in 1987. It has a small town homey feel and most of the time I know the first name of the tellers I see. I have not had any problem with loans. I'm sure everyone has their own tale to tell but mine has been a positive experience with this bank.

I am not sure who the people giving these reviews are a butt I have been a member of this Bank for the last 10 years. I have always found them to be very helpfull. Brighton and Greece both have Sunday hours, and every other branch have ever been to has Saturday hours. On top of that their facilities are second to none and there's always coffee waiting for you. And not just one type that have several flavors as well as tea and hot chocolate.

I’ve never experienced a more cumbersome experience of giving someone hundreds of dollars every month (making payments on a loan). Glad I don’t bank here. Some of the people are quite rude as well: I was told not to use the drive up to make a car payment? What’s the drive up for then? Notice how all the negative reviews are about their loans. Now I know why they offer the car loans around here Take my advice: close your account and open one at a credit union

Terrible bank. They set absurdly low limits on every type of transfer- my money feels trapped. None of their customer service people can ever help me or offer any practical suggestions. I've had accounts with big banks and other small banks, and I've never encountered such abysmal service anywhere. They are the literal worst- you'd be better off burying your money in your back yard.

Stay away from this bank! My wife banks here and their app doesn’t even have mobile deposit or anything! It’s like they are 20 years behind on technology! They shut her card off all the time and they have no weekend customer service so we were out to dinner when they blocked her card and guess what? Had no way to pay for our dinner! No emergency number to call and see why they blocked her card. This bank is in the Stone Age, just keep on moving, your honestly better off with a chime account than this bank. OMG THEY ARE TERRIBLE.