Banking That’s Right on Target

Butch Kirk of International Tank Service in Lima has a long-standing relationship with Citizens National Bank. Since his employees are constantly on the move building tanks across the country, he relies on the bank to provide products such as direct deposit and corporate credit cards to allow them to access their funds and pay for business expenses. An avid outdoors man and hunter, Butch is often traveling for his next outdoor adventure. He knows he can easily keep tabs on his business through business online banking and his banker, Ken Dysert, is just a phone call away.

Holiday Gift Giving?

holiday-gift-cards-2016Make it Easy with CNB Visa Gift Cards!

The easiest gift to give your family or employees is something they can use anywhere. Citizens National Bank offers Visa gift cards which can be loaded in any denomination from $10 to $1000*. They’re themed for the holidays in a variety of designs. We even offer the option of bulk ordering and having them shipped directly to your place of business. Stop by your local CNB office to purchase cards and give the perfect gift this holiday season!

*Fees may apply.

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Message from the President

Mike Romey

J. Michael Romey, President/CEO of Citizens National Bank

Protecting Your Accounts is a Combined Effort

As your bank, our goal is always to make you as confident as possible in banking with us and trusting that your money is protected. Fraudsters and cybercriminals are getting more and more sophisticated in their efforts to take over accounts and access your accounts. While there are many safeguards in place on our end in regards to firewalls and bank systems, ultimately we need your help as the account holder to be diligent in ensuring your accounts look correct. We offer products such as Positive Pay and CardValet to help you monitor your daily activity to make sure nothing looks out of place and catch any suspicious activity before it hits your account. These are products that you need to actively use for them to be as effective as possible.

Positive Pay works in conjunction with Online for Business. You submit an electronic file of all the checks your business has written each day. That file is then compared to checks as they come through for payment and any inconsistencies are flagged for you to review prior to them being paid. This system has already been successful in helping many of our businesses avoid check fraud. The cost of this program is mere pennies compared to what those fraudulent checks would have cost those companies in losses.

CardValet is used with your debit card. This free app allows you to turn your debit card off when you’re not using it, or to set location parameters to ensure it’s not used where you’re not currently located. I myself use this app and have found it provides me peace of mind and more confidence in using my debit card.

Protecting your accounts is truly a combined effort between you and our bank. Please make it a priority to monitor your accounts for suspicious transactions. Mobile and online banking offer email or mobile alerts and tools such as Positive Pay and CardValet can help you help us protect your money. For questions about any of these products or to enroll, contact your local CNB office.

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Cashback Rewards? Yes, Please!

BusinessCreditCardHaving a business credit card with Citizens National Bank is a smart move. We offer competitive interest rates on our cards, will consolidate your billing with separate individual statements so you can still track what each of your employees is doing while only having to pay one invoice, and we offer a rewards program, UChooseRewards. While the catalog of merchandise, travel and gift card options is extensive, we realize many simply prefer to earn cashback so we’ve now added it as another option. Our cards earn a base amount of 1 point for every $1 spent – but through the website, there are many opportunities to earn 3, 4 or even up to 12 points per $1 spent depending on the vendor. These points can quickly add up when using the cards for business purposes. In order to take advantage of the cashback option you must have consolidated billing set up and choose “Cashback” as the option when redeeming your points. The cash amount will be automatically credited to your credit account on your statement. It’s that simple.

For more information about our credit card program, or to learn more about consolidated billing, contact Treasury Management. Or visit our website to complete an online application.

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Business Mobile

business-woman-phoneKeeping Your Business Running When You’re On the Move

Raddon Financial Group, a bank research firm, completed a national study of business customers regarding their use and expectations of mobile banking. According to their recent research, 58% of small businesses are currently using mobile banking and the likelihood to use it increases as the size of the small business increases. Commercial clients, especially younger ones, are looking for the convenience and 24/7 accessibility provided by mobile banking. But don’t think business mobile banking is just a replica of its retail counterpart. A true business mobile banking app should provide comprehensive banking capabilities, including alerts, payment functionality and transaction approvals, such as ACH, wires and positive pay, on the go.

Citizens National Bank has recently upgraded its Business Mobile app to include the ability to make bill payments through your phone. In addition to the ability to view all linked accounts, make internal transfers, receive mobile or email alerts and complete approvals, bill payment gives you the convenience of making payments to any of your established vendors who are already set up in Online for Business. According to Raddon, only a third of small businesses use mobile apps designed specifically for business banking – making it difficult to complete all of their business transactions when traveling. When considering mobile be sure to choose a bank, such as Citizens National Bank, that offers a truly mobile business app. Be sure to update your app often as well to take advantage of new features that are continually being added. Look for the ability to initiate ACH and Wire Transfers from your phone soon! Business mobile is a free app available in the App Store or on Google Play. Simply search for cnbohio to find it. Use your same Online for Business credentials and token to access the app. You and your employees will have the same permissions you do in Online for Business. If you’re interested in depositing checks from your phone, simply contact the bank to have that turned on.

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CNB to Host 2017 Economic Forecast Presentations

Bob-MorganRobert J. Morgan, Economist, Featured Speaker

Citizens National Bank will host a series of free seminars featuring Robert J. Morgan, Senior Consultant with Austin Associates, LLC. Local business owners are invited to hear Mr. Morgan present his economic forecast for 2017. He will discuss current market conditions and what he expects to see in regards to unemployment, housing and the challenges facing business owners in the upcoming year.

Prior to joining Austin Associates, Mr. Morgan served as a senior vice president and chief economist with a multi-billion dollar regional bank. He directs his firm’s Financial Management Division and works with clients on all aspects of asset/liability and interest rate risk management, investment portfolio management and other aspects of bank financial performance.

Be Positively Sure to Avoid Check Fraud

check-fraudPositive Pay Could Have Prevented Fraud

One of our business customers recently experienced the costly side of check fraud. Two men came into three different branches to cash a check from one of our business clients. The check looked like a business check with the Citizens National Bank logo printed on it. They each had a photo ID from another state. Two of the checks were cashed. A teller at a third CNB location questioned the validity of the check and requested assistance from the branch manager, at which point the two men left the bank, leaving the fraudulent check and ID behind. Unfortunately, the two previous checks were cashed and the money has yet to be recovered.

Had this business client been enrolled in Positive Pay the tellers at each location would have received an alert as these items would have been flagged as possible fraud. With Positive Pay, the business client submits a file of their outstanding checks that is reviewed each time a check is presented for payment. If someone brings in a check to be cashed, and the business has Positive Pay, the bank’s system gives the teller an alert to contact the business for approval before cashing the check.

If your business writes checks, you can benefit from Positive Pay. This automated system reviews every check presented for payment against the file submitted by the business and flags any that do not match by amount, payee, check number, etc… You the business owner make the call whether or not to pay the flagged check. If you’re interested in learning more about preventing check fraud and the potential loss of dollars for your business, contact Treasury Management.

Protect Your Identity
Provided by Jean Chatzky, Today show contributor

According to the Identity Theft Resource Center, there were more than 630 data breaches in the U.S. through August 31 of this year, which puts us on track to beat the 780 breaches recorded in 2015. And according to Bill Hardekopf of another study notes 1 in 3 Americans have been hacked in the past year. Whether you’ve been breached, hacked or neither, it’s time to take this threat seriously.

If you’re an employee whose company has been hit with a data breach, start by using any and all identity theft services the company offers. Then, call one of the three credit reporting companies (Equifax, Experian or TransUnion) and report you’re a victim of identity theft. Ask them to place a fraud alert on your credit file, confirm the company will contact the other two companies and mark your calendar so you can decide whether or not to renew the alert in 90 days. If you’ve been hacked, you can also ask for a fraud alert. But also pull your own credit reports (you can do this for free at to make sure that no one is taking out credit using your personal information.Then monitor your report again every few months. For more on what to do if your identity is stolen, check out this report from

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