Thomas Szypka Joins Citizens National Bank as VP Business Development Officer

Thomas Szypka VP/Business Development Officer

Thomas Szypka VP/Business Development Officer

Citizens National Bank has named Thomas Szypka as its new Vice President Business Development Officer for the Toledo market. Szypka will be working with small businesses, offering commercial loans and lines of credit, as well as aiding with cash management solutions.

Szypka received his Associate Degree in Banking and Finance from Owens Community College. In addition, he has attended numerous seminars and classes related to lending. Szypka has more than 30 years’ banking experience in various lending positions. He currently resides in Woodville, Ohio with his wife Connie.

With offices in Bluffton, Celina, Defiance, Elida, Findlay, Lima, Springfield, Van Wert and Toledo, Citizens National Bank has assets totaling more than $760 million and has been serving the communities of West Central Ohio since 1920.

CNB Online Banking is Now Better Than Ever!

Computer Screen showing Citizens National Bank Online BankingCNB Online Banking has a new look and feel. To check it out, simply log in with your current username and password. From the home screen you will immediately notice a simplified look, easier navigation and increased functionality. And depending upon what device you’re viewing the site on, whether mobile, tablet or desktop, everything will size accordingly to fit your screen. The new site is even touch-enabled for easier access with your phone or tablet.

Here’s a list of the improvements you’ll experience with the new CNB Online Banking:

  • Create custom nicknames, change the order of how you see your account and even hide accounts if you don’t wish to see them every time you log in.
  • View the last 10 transactions for each of your accounts right from the home screen. Click “more” to pull in older transactions to the list. View all your scheduled, pending and posted transactions in one list.
  • Initiate transfers between accounts from the home screen.
  • Bill Pay now opens within online banking, which will prevent online banking time-outs.
  • Updated log in – Enter username and password on the same page. The security challenge is on the next page. You’re now able to hide your username and security answers for extra security when accessing the site in public.

To see what the new CNB Online Banking looks like, check out our online demo. If you’re not currently enrolled in Online Banking, simply click the New User Signup link underneath the Online Banking Login button on our homepage,

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Positive Pay – Put Your Business in Control of Check Fraud

If your business writes checks, you’re at risk for check fraud. Citizen National Bank’s Positive Pay program can help protect you from the potential loss of funds from this growing problem. This online tool is easy to use, requiring just minutes a day to set parameters for checks processing through the business account. Watch this video to see why Larry Webb of Webb Insurance in Lima chose the Positive Pay program and the peace of mind he has knowing safeguards are in place to protect his business.

Debt Consolidation Scam Costs Customer $1,000’s

Financial scamWe recently had a customer who was a victim of a debt consolidation scam. She was contacted by phone from a company (BPT Funding, Inc.) claiming to specialize in debt consolidation and offering to help lower her monthly payments by paying smaller balances off with a cash advance from Discover. A three way conference call was held between the customer, the fraudulent company and Discover where she was approved for the amount needed to pay off the balances. Discover transferred the funds to her checking account. She made a personal check out for that amount to the fraudulent company who offered to take care of paying all her balances off for her. Unfortunately, her bills kept coming and nothing had been paid off.

After attempting to contact them after 90 days, the phone number she’d been given no longer worked, the company had no website and the only address she had for them was a PO Box number. She now owes the original amounts on her credit cards, as well as the additional funds she had taken as a cash advance from Discover, and the fraudster is $11,000 richer.

If you receive a phone call from a company offering services of any kind, be sure to research them well before offering any information. Check out their website, be sure they have a physical location and customer references. Also, check them out on the Better Business Bureau website to see if any complaints have been lodged against them. If possible, consider a local company that offers the same services in order to be assured of access to a physical location and someone you can speak with in person vs. just over the phone.

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April is Community Banking Month. CNB to Celebrate with Bank from Anywhere Promotion and Community Shred Days

Community Banking Month 2017In honor of Community Banking Month, Citizens National Bank is offering a “Bank from Anywhere” sweepstakes to its customers during the month of April. Each person who enrolls in a new online or mobile banking product or downloads our CardValet debit card app or completes a mobile deposit will be automatically entered to win 1 of 3 grand prize Kindle Fire tablets or 1 of 7 second prize 32” rolling duffle bags. In addition to the sweepstakes, each branch is giving away a gift basket including items from each of our branch communities. Anyone who visits a branch may enter to win the Community gift baskets. The drawing for the baskets will be held on Friday, April 28.

Finally, in an effort to promote identity theft awareness, our branches are each hosting a Community Shred Day, where the public is invited to protect their identity by bringing their personal paper documents to be shredded. Cake will be served at each branch during their Shred Day. The dates for each branch are as follows:

Friday, April 14 – Bluffton, Findlay, Lima and Elida branch offices
Friday, April 21 – Celina and Van Wert branch offices
Friday, April 28 – Defiance branch office

Items to be shredded will be accepted during normal business hours of each office. There is a limit of 3 standard office size boxes or grocery bags per household. Items to be shredded could include:

  • Financial Statements
  • Canceled & Blank Checks
  • Paycheck Stubs
  • Credit Card & Account Numbers
  • Credit Information
  • Personal Records
  • Tax records
  • Medical records
  • Any items containing your social security number or signature.
  • Any mail or magazines that have personal identifiers
  • No need to remove staples or paper clips

*No electronic items will be accepted. All paper material will be destroyed by Allshred Services, a NAID Certified Company.

Each year the Independent Community Bankers Association designates April as national Community Banking Month, drawing attention to the importance these institutions play in our local economies by taking deposits and lending the money back out to local businesses. There are more than 51,000 community banks nationwide, employing 700,000 Americans and financing more than 50 percent of small business loans and 90 percent of agricultural loans.

Gone Phishing? Fraudsters Use Email Effectively

phishingPhishing is the fraudulent practice of sending emails purporting to be from reputable companies in order to induce individuals to reveal personal information, such as passwords and credit card numbers. This is not a new scheme, but it continues to be an effective one. According to Wombat Security, 85% of organizations have suffered phishing attacks and 30% of those emails get opened. According to Verizon, the number one delivery vehicle for malware is email attachments and the simple act of clicking a link in an email can leave your company exposed to dangerous activity on your network.

The easiest solution? Educate your employees to never click on links within emails that they don’t trust or weren’t expecting to receive. Attachments should only be downloaded from reputable sources. If possible type the URL you want to view into a browser rather than clicking the link provided in the email. Anything that requests personal information is most likely a scam. Reputable companies will not ask for sensitive information through insecure channels such as email.

Phishing emails are often written to make you feel threatened or scare you into providing information. Messages such as “Our records indicate that your account was overcharged. You must call us within 7 days to receive a refund,” provide a level of urgency that you feel you must address. It’s important to not take the bait and click on any links or call provided phone numbers that might open you up to providing personal information that can be used against you.

The Federal Trade Commission offers tips for dealing with phishing scams, action steps to take to avoid phishing attacks and how to report phishing emails on its website. Check it out to get better educated and remember always, “Think before you click!”

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Tax-Related Identity Theft

Computer hacker stealing information with laptopInformation provided by the Federal Trade Commission (

Tax-related identity theft occurs when an identity thief has used your social security number to get a tax refund or a job. Unfortunately, it may be several months later that you realize it has happened when you are notified by the IRS that you were paid by an employer you don’t know or that more than one tax return was filed using your social security number. It’s important to note that the IRS will never send an email, text or social media message that asks for personal financial information. Notification would always come in the form of a letter. If you do receive an email that claims to be from the IRS, do not reply or click any links. Instead, forward it to

If you do receive an official notice from the IRS that alerts you to potential identity theft, visit to report it and begin the recovery process. Contact the IRS immediately if you think someone has used your SSN for a tax refund or a job (toll free 1-800-908-4490). Specialists will work with you to get your tax return filed, get you any refund you are due, and protect your IRS account from identity thieves in the future. After you contact the IRS, it’s important to limit the potential damage from identity theft by putting a fraud alert on your credit reports, ordering your credit reports for review and creating an Identity Theft Report by filing a complaint with the Federal Trade Commission (FTC) and filing a police report.

To learn more about this serious problem and what steps you can take to protect yourself, visit

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