Recipe – Taco Dip

A party favorite!

1 package taco seasoningtaco-dip
16 ounces sour cream
16 ounces cream cheese, softened
tortilla chips

Additional Topping Options:
shredded lettuce
diced tomatoes
green chilies
shredded cheddar cheese
diced onions
taco sauce

Blend cream cheese, sour cream and taco seasoning together in a large bowl until fluffy. Spread evenly at the bottom of a 9×13 baking dish. Layer on additional toppings as desired. Chill for 2 hours. Serve with tortilla chips.

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

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Prepaid Reloadable Cards

Convenient Money Management & Safe Online Shopping

Pre-Paid Reloadable CardsIf you like the convenience of shopping with a card rather than cash, but want to limit how much you make available to spend or are concerned about using your regular debit or credit card online, a prepaid reloadable card might be just what you are looking for.

Now available at any Citizens National Bank office, the Visa® branded cards work like a gift card in that you determine how much you want loaded onto them. They can be used anyplace Visa® is accepted, including for online purchases, and you can even access cash from an ATM if needed by establishing a PIN. “The big difference between these cards and a gift card is that you can reload them and even have your paycheck direct deposited to them,” explains Janet Dukes, Chief of Operations, Citizens National Bank. Research shows many people are using cards such as these as a budgeting tool to limit spending for themselves or their children. Transactions can easily be tracked online through the website and the card is easily replaced if lost/stolen.

“Maintaining a separate card for emergency funds or to shop online is a good practice,” comments Dukes. “The funds are there when you need them and it eliminates opening your checking account or credit card account up to online fraud.” Additionally, there are some people who do not qualify to open a traditional checking account. Citizens National Bank’s Visa® Prepaid Reloadable Card does not require a credit check, has no minimum balance requirement and can accept direct deposit from an employer. “If someone has direct deposit set up on a reloadable card, the monthly fee is waived for the card, the employee has instant access to his/her pay through an ATM, and the card can be used at any store just like a debit card,” explains Dukes. In addition to direct deposit, cards may be loaded online through the website or at any Western Union location.

Stop by any Citizens National Bank location and speak with a Customer Service Representative to purchase a prepaid reloadable gift card. Once loaded you can use them immediately. To learn more, visit

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What Are You Teaching Your Kids About Money?

family-of-fourAccording to a study by the Harford Financial Services Group, Inc., the majority of college students say they pick up most of their personal financial education from their parents, but less than half of students said their parents make a consistent conscientious effort to teach them. Another study from Capital One indicated 49% of teens are “eager” to learn more about money management and that they want to learn money skills from their parents, but only a small percentage of parents are taking advantage of everyday learning opportunities about money. Almost one-third of college students surveyed by Harris Interactive admitted they were not very well prepared for personal money management on campus their freshman year.

It is never too early to teach your kids about money management, but where do you begin? An easy way is by visiting the Money Basics page on Citizens National Bank’s website. View a brief slide show that focuses on learning how to set goals, develop a budget and start saving. Scroll to the bottom of the page for Sites for Kids which includes an interactive site called Budget Basics. Then check out the Overview for Parents and Teachers which provides links to tips for teaching fiscal responsibility and even economics lessons for teachers.

With 87% of teens reporting their parents are their main source of financial education, it is important that parents get it right in teaching their children about managing their money, paying bills on time and establishing a savings plan. One step in this direction is to have your student open a checking account. Citizens National Bank’s student checking account has no minimum balance and comes with a low limit Visa® CheckCard. For ages 14-18, this account must be co-signed by a parent and can be used as a learning tool as monthly you can review statements and activity with your child to educate them on where their money is going. For college-age children, we offer our Go Anywhere checking account. This mobile account features unlimited free ATM withdrawals and a Visa® credit card if the student qualifies so they can access their money while they are on the go and begin to build credit in their name. The minimum balance requirement is waived until age 23.

Financial education is an important step in becoming an adult and research shows those who have had financial education participate more often in retirement programs, make larger contributions to the program and have a much higher savings rate than others. Make sure your child is in this group by teaching them fiscal responsibility early on.

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Mobile for Business Now Available at the App Store and Google Play!

Mobile Banking for Business

Business owners are on the go more than ever before and by offering mobile banking for business on their smartphones, Citizens National Bank is providing a way for our business customers to stay on top of their finances wherever they are. This free service is available to any customer who uses Online for Business, CNB’s business online banking package. Authorized users can approve transactions, monitor accounts and even make mobile deposits. Customers simply need to search the App Store or Google Play for “Citizens National Bank Business” and download the app, login with their current online banking credentials and begin banking.

Mike Romey, President and CEO of Citizens National Bank, says of the app, “We are the first community bank in our region to offer a business-specific mobile banking app to our customers. We’re proud of our commitment to making it easier for our customers to bank with us and this product will allow them to transfer funds and make deposits when it’s convenient for them.”

This service is automatically available to current Online for Business users. To learn more or to view a demo of Mobile for Business, visit

With offices in Bluffton, Celina, Defiance, Elida, Findlay, Lima, Springfield, Van Wert and Toledo, Citizens National Bank has assets totaling more than $650 million and has been serving the communities of West Central Ohio since 1920.

Citizens National Bank’s NEW Home Loans Website Section and Summer Grill Giveaway!

home-loansIn an effort to make it easier for customers to find great information about mortgage and home equity products, Citizens National Bank has officially launched its NEW Home Loans section of the website. The Home Loans section highlights information specific for a first time home buyer, detailed descriptions of loan products offered, a variety of mortgage calculators, and informational articles from mortgage lenders.

Found your dream home? For a first time home buyer, the mortgage loan process can be a thrilling, yet nerve-wracking event. With the new First Time Home Buyers section, you are provided with a description of the available loan options. This section also features the five steps you should take before applying for a home and a variety of informational resources, such as Understanding the Application Process and an Application Checklist.

Also included are mortgage calculators which are useful in determining monthly payments, how much house you can afford and more. These informational and interactive calculators are available as a self-help tool; personalized advice is readily available from any of Citizens National Bank’s qualified professionals.aces-weber-grill

As a thank you for visiting the new Home Loan section, Citizens National Bank is offering monthly drawings for grilling packages from July – September. A grand prize winner will also be drawn in September. Grilling packages include a $50 Omaha Steak gift card, a 3 piece grilling tool set, serving tray, towel, barbecue seasonings, and can coolies. Grand prize is a Weber Grill, courtesy of Lee’s Ace Hardware in Van Wert, with grilling package. Entry is simple – visit the Home Loans section at and fill out the Enter to Win form.

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Citizens National Bank to Host Customer Appreciation Day in Lima

Lima Office at 201 N. Main Street, Lima.

Lima Office at 201 N. Main Street, Lima.

Area residents and businesses are invited to the Customer Appreciation Day celebration on Friday, July 24, from 11:00 am to 1:00 pm, at the Lima office located at 201 N. Main Street, Lima.  Free pulled pork or chicken sandwiches, chips and cookies will be served. Attendees may enter to win a grand prize tailgate package, including a charcoal grill and deluxe grill set.

The annual event is a way to show appreciation for the Lima customers. “Many customers have banked with us for a long time and we host this event as a way to say thanks for them putting their trust in us,” says Ken Dysert, SVP/Lima City President. In addition to the lunch, special rates will be offered on all new CDs opened in the Lima office from July 27 – 31. Call the office for details at 419-224-0400.

With offices in Bluffton, Celina, Elida, Findlay, Lima, Springfield, Van Wert and Defiance, Citizens National Bank has assets totaling more than $650 million and has been serving the communities of West Central Ohio since 1920.

Lending Solutions for Farming Success

Featuring Tony Gill, Owner- Gill Dairy

A native of India, Tony Gill came to America to fulfill his dream of becoming a large dairy farmer. Tony has found great success in the agricultural area, owning several types of farms and market animals in various states. Citizens National Bank has been able to help Tony fulfill his dreams with its unique expertise and history in working with agricultural customers. Besides helping with acquisitions and expansion projects, Tony looks for financial planning advice from his banking experts Brock Burcham, SVP/Springfield City President, and Eric Faulkner, VP, Business Development, Loan Participation Specialist.


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