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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.”


Mobile Banking

Male smartphone app car park Vintage filter

Have You Downloaded Our App?

If you are an Online for Business customer you’re automatically enrolled in our easy-to-use mobile app. Simply download it from the App Store or Google Play and log in with the same credentials and token you currently use for online banking. The App is free. Simply search for cnbohio. You’ll have all the same permissions you currently have within Online for Business. If you’re interested in depositing checks through your phone, contact an Online for Business specialist to have it turned on – 800-262-4663 or

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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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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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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.

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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!

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

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.