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Executive Newsletter

A newsletter to provide you with the latest solutions for your business financial needs.

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Are You Using Direct Deposit for Payroll?
direct deposit faster cheaper convenient

Why You Should...

There is more expense involved with paying your employees than just the cost of their salary. According to the cost of cutting paper checks each week ranges from $2.87 to $3.15 per check.


Land As Your Legacy
farm family generations legacy

Keeping the Farm in the Family

There are currently 2.1 million farms in the US and 97% of those are family-run. Collectively farmers are growing older with a median age of 57 and according to the USDA, 70% of the entire farmland in the US will transition ownership over the next 20 years. The bad news is statistically only 30% of those transitions will be successful.


Elite Checking - A Personal Account for Business Owners
elite checking account business owners

Special 6 Month Intro Rate

Having your personal accounts at the same bank as your business accounts just makes sense. By opening an Elite Checking Account, you will have the option of seeing all your accounts in one place through Online for Business.


Message from the President
Mike Romey President CEO
J. Michael Romey, President/CEO

Celebrating 95 Years of Community Banking

Citizens National Bank was organized in 1920 and this year we will have been in business for 95 years. The bank was organized by a group of businessmen from Bluffton that wanted to provide deposit and lending services to local business owners. We were a family-run bank for many years and I have had the great honor to follow my grandfather as only the 4th president in the bank's history.


Ask the Lender
Jason LaBounty Defiance VP Business Banking Officer
Jason LaBounty,
VP Business Banking Officer

Should I switch my credit card machine to accept chip enabled cards?

EMV (Europay, Mastercard and Visa), or chip enabled cards, are common place in most foreign countries and provide a higher level of security against fraud than the magnetic strip cards seen most frequently in the US. On traditional credit cards, the magnetic stripe holds the information necessary to make a transaction and that information never changes, so if stolen it can be used to make new cards or online purchases. With the EMV card, the computer chip in the card creates a unique transaction code that cannot be used again.

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