Protect Yourself from Malware – Look for the Green Bar!

134452677PC World reports that malware known as “Tiny Banker” has been customized to target banks. It often appears with the bank’s logo and asks for online banking users’ information. To be sure you’re safe, we encourage you to check the address bar when logging into Online Banking to be sure it turns green. An Extended Validation certificate, which appears as a green address bar, was added in April, which provides a visual confirmation that you are on a secure site.

The bank uses multiple channels of authentication to protect our customers’ information. At every log in attempt, we verify all the following:

- A valid User ID and Password

- The computer or mobile device must be recognized

- The geographic location

If any of these three do not match the customer’s existing profile, customers will be asked to answer a security question.

Click here to view a demo of our security measures for Online Banking.


Have you shopped Home Depot?

HomeDepotHome Depot has confirmed a data breach affecting customers who have shopped in their US and Canadian stores since April, 2014. If you have used your credit or debit card in a Home Depot store you may be affected. We encourage you to monitor your statements for suspicious charges and notify us immediately if you notice fraudulent charges on your CNB Visa credit card or checkcard. This does not affect purchases made online through

Home Depot is offering free identity protection services, including credit monitoring, to any customer who has shopped at a Home Depot store since April 2014. To learn more about the identity protection services and to sign up, visit

Nelson Shaffer Completes Graduate School of Banking

Nelson Shaffer, SVP/Toledo Market President for Citizens National Bank

Nelson Shaffer, SVP/Toledo Market President for Citizens National Bank

Nelson Shaffer, SVP/Toledo Market President for Citizens National Bank, was awarded a diploma on August 15, 2014, at commencement exercises during the 70th annual session of the prestigious Graduate School of Banking at the University of Wisconsin-Madison.

The School, sponsored by state bankers associations from across the central United States, as well as the University of Wisconsin-Madison, was established in 1945 to provide bankers with an opportunity for advanced study and research in banking, economics and leadership. Instruction at the Graduate School of Banking takes place during two-week resident sessions for three consecutive summers, along with comprehensive study between summer resident sessions. The curriculum focuses on the management of strategic issues faced by banking executives and financial services industry professionals.

The Graduate School of Banking enrolls approximately 575 US and international professionals each year. Over 85 esteemed academicians, economists, government officials, and industry professionals comprise the School’s faculty.

Mike Adelman, president and CEO, Ohio Bankers League, Columbus, Ohio, was the featured speaker at commencement; Mr. Adelman, who is currently secretary for the GSB Board of Trustees, is a 2008 alumnus of the Graduate School of Banking.


FOR FURTHER INFORMATION, CONTACT: Graduate School of Banking at 800-755-6440 or at

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


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