Archive | Online for Business RSS for this section

Belief from the Beginning…

A unique business idea turned into a booming business for Mark Bayus of M&M RV Electronics. He credits Citizens National Bank and his banker Pat Ryan for making his dream a reality. “He believed in me from the beginning. He shared my dream and that’s how I got to be where I’m at now.”


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.

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.

– See more at:

Are You Mobile? We Are!

business-mobileThe days of being in the office from 9 am – 5 pm are few and far between in our mobile world. We know you’re not always able to be at your desk when you need to transfer money or approve transactions. That’s why we now offer Mobile Banking for Business. One of the first community banks to offer an app specific for business banking, we’re excited to provide this service FREE of charge to all of our Online for Business customers. If you’re already an Online for Business customer, all you need to do is go to your app store and search for “cnbohio”. Download the Citizens National Bank Business App and start banking. It uses the same login credentials and token as your regular Online for Business access and you’ll have access to all the accounts you currently do through Online for Business. If you’d like to take advantage of depositing checks through your phone, contact our Online for Business specialist to get set up.

Mobile Banking delivers the highest level of security available and it provides a great way for you to monitor your accounts wherever you are.

To learn more, view our online demo.

– See more at:

Message from the President


J. Michael Romey, President/CEO

Wishing You a Prosperous New Year!

2015 has been a good year for Citizens National Bank and we look forward to an even better 2016! Like you, we’re already looking forward to next year and the new opportunities that it brings. Economists are predicting positive growth in the economy and that translates to growth opportunities for your business. As you consider potential expansion, please contact us to discuss loan programs, lines of credit or cash management options that we can offer to help you succeed.

We’re always looking at new products to offer to make running your business easier. The newest include Mobile Banking for Business and Positive Pay. We know you’re on the go all the time and our mobile products will allow you to review your accounts, transfer funds and even deposit checks right through your phone. This is a FREE service for all our Online for Business customers. Simply download the app by searching for “cnbohio” to get started. Positive Pay is our newest product which offers peace of mind in preventing checking fraud. Your security is our top concern and by taking advantage of products such as this, you can stop potential loss before it happens. For questions about these products, contact our Treasury Management team.

Thanks for making Citizens National Bank part of your 2015! We wish you and your family Happy Holidays and look forward to working with you in the New Year!

– See more at:

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.


NEW Products for Business Customers

small business woman

Elite Checking and Small Business Online for Business Package Now Available

Citizens National Bank is excited to announce new offerings for our business customers; Elite Checking, a personal checking account with special perks for business owners and a Small Business Package of Online for Business.

Elite Checking is our most comprehensive personal checking account, offering our highest level of benefits. It takes into account the total relationship, both business and personal balances, and offers benefits including unlimited ATM withdrawal surcharge rebates, a Platinum Visa credit card*, and an introductory rate on all balances of 0.35% APY**. According to Amy Yochum, VP Treasury Management, “We truly appreciate the trust our business owners put in our bank in regards to their business finances and we wanted to create an account that provided real value that they would expand that relationship to include their personal accounts. I’m confident Elite Checking does that.” Those interested in learning more about Elite Checking should contact their local CNB office.

Additionally, CNB has created a new Online for Business Package. Previously, the bank offered three options for business online banking:

  1. Basic – Customers can see both personal and business accounts with one login, transfer money between accounts and pay bills online.
  2. Basic Plus – Offers the additional capability of initiating wire transfers.
  3. Deluxe – offers full ACH capability, including electronic vendor payments and returns.

A fourth package option, Small Business, has been created to cater to those businesses who specifically want to offer direct deposit to their employees and complete their tax payments online. “We discovered a need for businesses who wanted to offer the convenience of direct deposit and eliminate the cost of cutting checks but didn’t need all the bells and whistles that come with our Deluxe product. This Small Business package fills that need,” explains Yochum. The Small Business Package is now available by contacting your Business Banking Officer.


*Subject to credit approval. **Annual percentage yield (APY) accurate as of 1/3/14. The above stated APY is guaranteed on all balances for the first 6 months after the account is opened. Minimum opening balance is $50. After 6 months the applicable standard tiered variable rates for the Elite Checking Account will apply. Balances of $100,000 and above currently earn 0.07% APY; balances ranging between $25,000-$99,999.99 currently earn 0.05% APY; balances ranging between $7,500-$24,999.99 currently earn 0.03% APY; balances ranging between $2,500-$7,499.99 currently earn 0.01% APY; balances below $2,500 do not earn interest. Fees could reduce earnings.