Tips When Using Mobile Devices For Financial Services

Mobile Financial Tips

Mobile Financial Tips

Many consumers use mobile devices for financial services to save time when accessing accounts, help to track spending, and to manage money. Using mobile devices is a lot like using a computer, and you should use similar best practices for security — especially since your mobile device can get lost or stolen.

Here are some tips for using your mobile device more safely and securely to help you achieve your financial goals.

  • Set up alerts and check your account balances: You can set up alerts by text message or email through CNB Messenger from within Online Banking. Alerts can tell you when your checking account balance is low, when a check has cleared, and even when a direct deposit has posted.
  • Protect your personal information: Don’t share your PIN or password with anyone, and don’t save them on your mobile device. Think twice about accessing your accounts on a phone or device that you share with another person.
  • Use passwords: Password protecting your mobile device can help prevent access to your information in the device. Don’t use easily identifiable passwords like your birthday and never save passwords on your phone.
  • Report loss or theft to all your financial institutions or financial services providers as soon as it occurs. If you lose your mobile device, you may be focused on notifying the mobile provider — but don’t forget to report loss or theft to your financial providers if your device can provide access to your accounts through apps.
  • Use secure websites or apps: This sounds obvious, but don’t login to your accounts through links that are sent to you by an email address or on a website or app that you don’t recognize. When using free or public Wi-Fi, try to use a private network and go to a secure site that begins with HTTPS.
  • Remove sensitive information from your old phone or device: If you get a new phone or mobile device, be sure to delete your data and information from the old phone. You may have left names of banks or credit unions, passwords, or other clues that could help identify your personal information.

Visit for more information.

Pay Your Share of Pizza Night with Popmoney!

It's easy to Pop Money!

Person-to-Person Payments Make It Easy!

Popmoney is a tool which allows people to easily pay other people anywhere, any time. By simply using the email address, mobile number, or bank account number of the recipient, Popmoney users can make personal payments. For example, users can pay rent to a landlord, add funds to a college student’s checking account, or even repay a friend for your portion of the pizza! All that’s required is that you are enrolled in CNB Online Banking and Bill Payment — both free services.

Advantages of Using Popmoney

Popmoney offers many benefits to its users! First, Popmoney allows users to set up as many payees as they’d like, schedule payments up to a year in advance, and even manage recurring payments safely and securely from your account. Another fun feature is the ability to customize the payments or requests with special e-messages, transforming the transaction into a greeting card. Then, after transferring the money, users have the ability to monitor their transaction history. Perhaps one of the biggest benefits of Popmoney is its ability to save time. Checks can take days to arrive… and even longer for the recipients to find time to cash the check! On the other hand, by transferring funds with Popmoney, the whole process can take as little as 1 business day! …and with no postal delays or extra trips to deposit the check! So quit writing checks and pop money to your friends and family instead!

It’s Easy to Send Money

  1. Log into Online Banking and click on the CNB Bill Payment tab. Then, click the Popmoney tab from within the Payment Center.
  2. Enter the recipient’s name and either their email address, mobile number or bank account number.
  3. Enter the dollar amount ($5 minimum) and, if you’d like, write a personal message and select an e-greeting card design to make it extra special.
  4. Send the Payment.
  5. Your recipient is notified that you are sending money, and will receive simple instructions on how to claim the funds with Popmoney. Once completed, the funds are transferred from your account of choice into the recipient’s checking or savings account.

Sounds great, but what does it cost to pop money?

A Popmoney account is absolutely FREE, and the only cost to you is a delivery fee which is $0.50 per transaction.


Enchilada Casserole Recipe

Enchilada Casserole

Enchilada Casserole

A quick meal idea with little preparation.

  • 2 pounds hamburger
  • 1 medium onion, diced
  • 1 can tomato soup
  • 1 can cream of mushroom soup
  • 1 can enchilada sauce
  • 1 bag tortilla corn chips
  • 2 cups shredded cheddar cheese

Break up tortilla chips. Place a layer in the bottom of a 9×13 baking dish, saving some crushed chips for the top. Brown hamburger; add onion, tomato soup, muschroom soup and enchilada sauce to hamburger. Simmer for a few minutes. Pour on top of chips. Cover with cheese and top with the remaining chips. Bake at 350 degrees until cheese melts.

Recipe was submitted by Karen B. from our “Cooking It Up with CNB” recipe contest.


Ops Center SignICBA Independent Banker®, the award-winning magazine of the Independent Community Bankers of America (ICBA) and the nation’s number-one source for community banking news, recognized Citizens National Bank,
Bluffton, OH, as an ICBA Top Performer in its June issue. This recognition is based on Citizens National Bank’s 2013 year-end earnings and operational efficiencies.

“Whether it’s a small community bank serving a rural area or a large community bank serving a metro and suburban area, you’ll find they operate with the same focus by always putting their customers and communities first,” said Chris Lorence, ICBA executive vice president and chief marketing officer. “Citizens National Bank knows their local market and they thrive because of that expertise. We commend Citizens National Bank for its ongoing dedication, enthusiasm and devotion to the banking industry.”

As part of its annual recognition of high-performing ICBA member institutions, ICBA Independent Banker pulled year-end FDIC data to identify the community banks with the highest performance metrics — those with best return on average asset ratios and the best return on average equity ratios — in six asset-size categories. The rankings separately recognize top-performing Subchapter C corporation banks and Subchapter S corporation banks.
“We are pleased to be recognized as an ICBA Top Performer,” said Mike Romey, President/CEO of Citizens National Bank. “As active members of our communities, we credit our loyal  local customers and dedicated employees for our success. We look forward to serving the unique needs of our markets and helping them grow and prosper in the years to come.
To see the ICBA Top Performers listings, read the article “The Best of the Best” on ICBA Independent Banker’s website at

About ICBA
The Independent Community Bankers of America®, the nation’s voice for more than 6,500 community banks of all sizes and charter types, is dedicated exclusively to representing the interests of the community banking industry and its
membership through effective advocacy, best-in-class education and high-quality products and services. For more information, visit

Advancing Agriculture Around the World – CNB and Advanced Biological Marketing (ABM)

Dan Custis, CEO of Advanced Biological Marketing (ABM); Jordan Miller, Commercial Lender

Dan Custis, CEO of Advanced Biological Marketing (ABM); Jordan Miller, Commercial Lender

As a community bank, Citizens National Bank focuses on local businesses. What may be surprising is just how far those local businesses reach. Advanced Biological Marketing (ABM), a nationally recognized leader in agricultural research and seed treatment development, is located in Van Wert, Ohio. CEO, Dan Custis and partner Leon Bird, created the company in July 2000 after having worked previously at ag chemical companies and deciding they could do things differently. Their proprietary and patented processes led to notable increases in yields of such crops as soybeans and corn and sales to seed companies and co-ops began to take off. Six years ago one of their salespeople took a trip to Thailand and introduced their product to rice growers there. It resulted in a 5x increase in yield and cemented their commitment to international agriculture.

According to Custis “We were outgrowing our bank but wanted to still work with someone local. Citizens National Bank’s capabilities and international options were a good fit for us.” Their banker, Jordan Miller, introduced them to Online for Business which allows them to manage their multiple companies’ finances all in one place and also gives them the capability of sending and receiving foreign wire transfers right from their office. According to Custis, their business used to be fairly seasonal, but as they’ve gone international, growing seasons in other countries are year-round, increasing their cash flow. “We’ve now expanded into many new areas of the US, as well as 15 foreign countries. We’re expecting 30% growth in our company this year, but we’re confident CNB can handle what we need,” states Custis.

As part of that growth, CNB not only provides online banking, but also financed a new production facility for ABM and provides a line of credit should they need to move swiftly on a purchase. “We focus on unique innovation and we’re technology driven,” explains Custis. “We have the right banking relationship going as we plan for more growth.”

To learn more about ABM and their impact on the world’s agricultural production, visit


Public Open House Set for Sunday, July 20!

CNB's New Defiance Location is OPEN!

CNB’s New Defiance Location is OPEN!

Citizens National Bank opened the doors to its newest full-service branch on July 7. The new office, located at 601 E. Second Street, Defiance, offers commercial lending, agricultural lending, mortgage lending, and a full spectrum of deposit products and cash management options for business and personal use. The state of the art facility also offers drive-thru services, an ATM, and a night deposit drop. According to SVP/City President Brad Spitnale, “We’ve established a presence over the past 4 years in this market out of our current location (607 W. Third Street). This new facility expresses our commitment to being a permanent part of Defiance and offering the area a quality community bank that is known for its fiscal strength and community involvement.”

A public open house will be held Sunday, July 20 from 1-4 pm. This is an opportunity for the Defiance community to tour the new office and meet the staff. Refreshments will be provided and door prizes will be awarded.

Defiance Staff

Meet Our Defiance Staff

Ask the Lender – “What are my financing options for purchasing equipment?”

Chad King, VP/Business  Banking Officer

Chad King, VP/Business
Banking Officer

There are several options to consider when financing equipment. Most often equipment is purchased with conventional bank financing. Under conventional financing you can expect the bank to finance up to 80% of the cost of new equipment or less depending on the age and use of the equipment. Repayment terms are typically set for 7 years or less and rates can be fixed or variable during that time.

For larger equipment purchases or in instances when there isn’t enough cash, or equity for a down payment, other financing programs can be utilized. The State of Ohio 166 program allows a business owner to purchase equipment with as little as 10% down. Forty percent of the funds for the rest of the purchase would come from the program and the remaining 50% would be financed by the bank. While there are additional upfront costs involved, the program provides a fixed rate on the 40% it provides as well as a term of up to 10 years.

Leasing may also be an option a business would want to consider. Leasing offers many potential benefits over purchasing but has its drawbacks as well. Leasing generally requires a smaller upfront investment and results in lower monthly payments. Also, leases are accounted for differently than loans which could result in some tax benefits for the business*.

Additionally, some leases include maintenance agreements which could lessen or eliminate those costs over the term of the lease. As a result of these benefits leases are generally more expensive over the entirety of the agreement. Owners must also plan for the end of the lease which will either have a buyout option that would need funded or the equipment is returned which creates a need to replace the equipment if it is still needed.

It is not always possible but it is best to plan your equipment purchase well before you actually need it. Your lender will help you weigh your options and choose the best course of action for your particular circumstances. If you are thinking about purchasing equipment now or think that you will need to make a purchase in the upcoming year please call your lender today to get your plan in place.


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