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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