Citizens National Bank
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From small family-owned companies to large corporations, CNB is committed to giving you the kind of fast, efficient service that makes doing business with us good business.



CNB SMALL BUSINESS CHECKING

The CNB Small Business Checking account offers great value for a no cost, free checking account for qualified small businesses.
  • No monthly service charges
  • No per check fees
  • No minimum balance requirement
  • Unlimited CNB Visa® Business Debit Card/CNB ATM transactions
  • CNB Direct Telephone Banking at 1-877-472-9262
  • Convenience of BizLink Online Banking at www.cnbweb.com
COMMERCIAL CHECKING

Our Commercial Checking Account provides a service charge credit that may offset your monthly maintenance and transaction fees. However, Balance Earnings Credits in excess of applicable fees will not be credited to your account and will not apply to any subsequent months. All applicable fees will be deducted from your account and will appear on your monthly statement.

CASH RESERVE

For worry free checking, add Cash Reserve to your checking account. Should an overdraft occur, you are automatically covered up to the amount of your approved credit limit.

CNB VISA® BUSINESS DEBIT CARD

Make purchasing from your CNB Small Business or Commercial Checking account a little easier with the CNB VISA® Business Debit card. Get VISA® card convenience without the monthly bill; your transactions come directly out of your checking account. The CNB VISA® Debit card is accepted wherever VISA® is accepted. Apply today!

MONEY MARKET ACCOUNTS

A Money Market Account offers you a tiered rate structure that provides a higher yield on a liquid account. The higher your balance, the more you earn. It gives you more control of your money. It provides the flexibility to deposit or withdraw funds and the ability to write three checks per statement cycle without penalty. Other transaction limitations are applicable.

SEP (Simplified Employee Pension)

If you want to assist your employees with their futures, Citizens National Bank offers a self-directed IRA product to help them plan for their retirement.

BUSINESS LOANS

We offer a wide choice of business loans to meet all types of business expenses. Whether your business requires purchasing commercial real estate, a loan to purchase equipment, or money for expansion, your application will be considered promptly.

BUSINESS LOANS
We offer a wide choice of business loans to meet all types of business expenses. Whether your business requires purchasing commercial real estate, a loan to purchase equipment, or money for expansion, your application will be considered promptly

MERCHANT SERVICES
We offer VISA®/MasterCard® merchant programs. The acceptance of credit cards by a business helps to attract new customers, increase average ticket sales for existing customers, and reduces credit risks and losses. So whether you currently have a Merchant Program or need information on how to get started, stop at any one of our conveniently located offices or just call and we'll be glad to discuss solutions to your specific needs.

AGRICULTURE LOANS
We offer equipment loans, operating lines of credit, and land purchase loans. We are also an active participant in the Ohio Ag Link Program.

BIZLINK ONLINE BANKING
BizLink from Citizens National Bank is an internet banking program exclusively designed for business banking. It provides the technology you need to ensure that you are maximizing your money’s growth potential; and it’s all here at CNB.

Account Management
Manage all of your business accounts from one convenient location. View account statements and recent transactions, add stop payments and send wire transfers and EFTPS disbursements. You can also grant employees access to BizLink if you desire and specify which accounts you want each user to see and what functions they are allowed to perform.

Payroll
No more paper checks! Set up direct deposit payroll for all of your employees.

Funds Transfer
Transfer funds between your accounts at CNB, or set up ACH transfers to and from accounts at other financial institutions. Also, request wire transfers along with supporting documentation with banks nationally and internationally.

Bill Payment
Pay all of your company’s bills in one location without writing any checks or buying stamps. You can send both one-time and recurring payments.

View and Print Check Images
With a simple click, you can view and print check images that have been written on your business accounts.

Export Transactions
You can export your account statements to software programs such as Quicken®, Quickbooks® and Microsoft Money®.

How do I get started?
To get started, stop by any of our locations and talk to a loan officer or call a member of our Internet Banking team at (740) 775-6777. We will be happy to answer any questions that you may have concerning BizLink and get you started with the sign-up process.

GENERAL SERVICES

CNB Direct
CNB Direct gives you a direct line to all your accounts 24 hours a day, every day of the year from your home, office, or car. All you need is a touch-tone phone, your account numbers, and your Personal Identification Number. CNB Direct gives you current information on checking, savings, CDs, consumer loans, and mortgages. You can make transfers between accounts, verify Social Security deposits and ATM transactions, order a faxed statement, and even make a payment on your CNB loan. Call 1-877-472-9262.

Safe Deposit Boxes
Protect your valuables from loss, theft and fire in a safe deposit box. Safe deposit boxes come in a variety of sizes and are available at our main office, Frankfort Branch and Fayette Banking Center locations.

Traveler's Checks and Money Orders
Traveler's checks and money orders are available to CNB customers at any of our offices. Traveler's checks are safer than cash when traveling and are accepted throughout the world.

Direct Deposit
You can have your Social Security or other government, pension, and payroll checks deposited directly to your savings or checking account. It saves you time and eliminates worry about money being lost or stolen. You can arrange for payroll direct deposit by contacting your payroll department and requesting that your direct deposit be sent to your account at CNB.

Savings Bonds
For your convenience, we sell and redeem United States Savings Bonds at all office locations.

ATM Services
You can use your CNB ATM card or VISA® Business Debit card to make withdrawals or deposits around the clock at all of our offices and to access cash from ATMs around the world (see checking services for details).



          
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