The Citizens National Bank of Bluffton

102 S. Main St., P. O. Box 88
Bluffton, OH 45817-0088
PH: 1-800-262-4663

Online Banking Service Agreement

This Online Banking Agreement ("Agreement") contains the terms and conditions that govern the access to information, accounts, banking, bill payments, and other online services. The terms of this Agreement are in addition to those that apply to any account or service you have with us. You should print this Agreement or contact us for a copy.

As used in this Agreement, "you" or "your" refers to the person(s) using Citizens Online Banking; "we", "us", "our", or "Bank" refers to Citizens National Bank.

Terms and Conditions:

Your use of the Citizens National Bank Online Banking service confirms your agreement to be bound by the terms and conditions contained in this Agreement as well as any rules for use of the services. It also acts as your acknowledgment of your receipt and understanding of the disclosures in this Agreement and your agreement allowing all disclosures or other information required under applicable law to be sent electronically.

Except as otherwise required by law, rule, or regulation, we may change the terms and conditions of this Agreement from time to time and at any time. When changes are made, we will update this Agreement at the Web site. Changes will be effective when first updated on the Web site unless law, rule, or regulation requires advance notice in which case the change will be effective in accordance with the law, rule, or regulation.

Unless otherwise required by applicable law, we have the right to terminate this Agreement and/or your access to Online Banking service at any time at our convenience and without cause.

In no event will Citizens National Bank be liable for any direct or indirect, special, incidental, consequential, or punitive damages or lost profits arising in connection with use of our Online Banking service, any interruption in availability of our Online Banking service, delay in operation or transmission, computer virus, loss of data, or otherwise, even if Citizens National Bank has been advised of the possibility of such damages or loss.

If any of the accounts from which you utilize Citizens Online Banking is joint, each of you is jointly and severally obligated under this Agreement. Each owner will have a unique password and acting alone may perform transactions, obtain information, terminate this Agreement, allow one or more other persons to access qualifying accounts if you provide them with your account access identification number and password, or otherwise transact business, take actions or perform under this agreement. We are not required to obtain the consent of, or notify, any other of you. Each of you individually releases us from any liability and agrees not to make any claim or bring any action against us for honoring or allowing any access, actions or transactions where the person performing the access, action or transaction is one of you or is otherwise authorized to access the account. Each of you agrees to indemnify us and hold us harmless from and against any and all liability (including but not limited to reasonable attorney fees) arising from any such claims or actions.

If you are a corporation, partnership, limited liability company, association or some other form of business entity, the company representative is responsible to ensure that access codes and passwords are provided only to persons you authorize. You represent to us that each company representative and anyone else using your access codes has general authority from your company to give us instructions to perform transactions using Online Banking.

Eligible Accounts:

Access to Citizens Online Banking requires that you have at least one eligible account that is identified by your Social Security Number. That account and all other existing and future eligible accounts identified with your Social Security Number will be linked together to form your Web banking relationship with us. Eligible accounts include each open and active Citizens National Bank checking, savings, money market, certificate of deposit, or loan account.

Types of Citizens Online Banking Services:

You may access your account(s) through Citizens Online Banking using your access identification number and password to perform the following:

  • Obtain balance and transaction history of eligible accounts;
  • View copies of previous statements and images of canceled checks;
  • Transfer funds and make payments between eligible accounts (except certificates of deposit);
  • Pay bills from checking accounts (Bill Payment Service)
  • Complete deposit account and/or loan applications;
  • Request stop payments;
  • Order checks


You must have enough available money or credit in any account from which you instruct us to make a transfer. All transfers must be in U.S. Dollars. We reserve the right to limit or suspend access to our Online Banking service as we deem necessary for security reasons.

Federal law limits certain transfers and withdrawals from savings accounts and money market deposit accounts. You may not make more than six withdrawals and/or transfers from these accounts each calendar month by check, pre-authorized or automatic transfer, draft, debit card, data transmission, telephonic agreement or similar order. If you exceed these transfer limitations in any calendar month, your account will be subject to closure. Please see your deposit agreement for further detail.

Stopping or Changing Payments and Transfers:

You may cancel or modify a single payment or transfer up until 6:00 PM Eastern Standard time on the business day before the Scheduled Payment Date. Please use the Service's "Help" function for instructions on how to change or cancel a scheduled payment or transfer. You may also call us at 1-800-262-4663 or write to us at Citizens National Bank, P.O. Box 88, Bluffton, OH 45817 or complete a stop payment form through Citizens Online Banking.

If you call or write, you must do this in time for us to receive your request 3 business days or more before the payment or transfer is scheduled to be made. If you call, we may also require you to put your request in writing on paper and get it to us within 14 days after you call.

Important Notice: You acknowledge that Bank has fully advised and disclosed to you that due to Bank's use of a computerized system that the sole criterion for successfully stopping payment on said items is that the exact amount of the item be reported to Bank. You hereby acknowledge that you fully and completely understand that if the amount of the item reported to Bank is off even one cent, payment on the item cannot be stopped.

If you order us to stop a preauthorized recurring payment or transfer as described above, and we do not do so, we will be liable for your losses or damages.


There are no fees to inquire on your accounts and transfer funds between eligible accounts.


We will provide you monthly statements for your checking accounts. At a minimum, a quarterly statement will be provided for your savings account. You agree to notify us promptly if you change your address or if you believe there are any errors or unauthorized transactions on any statement.

Business Days:

The Online Banking service is generally available 24 hours a day, 7 days a week. However, we only process transactions and update information on business days. For purposes of this Agreement, business days are Monday through Friday, excluding Bank holidays. Each transfer you make on a non-business day, or after our Online Banking cut-off time on any business day, will be considered made on the following business day. Our Online Banking cut-off time is 6:00 PM Eastern time.

Financial Institution's Liability:

If we do not complete a transfer to or from your account on time or in the correct amount according to our agreement with you, we will be liable for your losses or damages. However, there are some exceptions. We will NOT be liable, for instance:

  • Your account does not contain sufficient funds to complete the payment or transfer, or the transfer would exceed the credit limit of any account;
  • If your equipment or ours is not working properly and you know or have been advised by us about the malfunction before you execute the transaction;
  • The payee mishandles or delays a payment sent by the Bank;
  • You have not provided the Bank with the correct names or account information for those persons or entities to whom you wish to direct payment;
  • Circumstances beyond the Bank's control (such as, but not limited to, fire, flood, interference from an outside force) prevent the proper execution of the transaction and the Bank has taken reasonable precautions to avoid those circumstances.
  • There may be other exceptions stated in our agreement with you.


We will disclose information to third parties about your account or the transfers you make only in the following situations:

  • Where it is necessary for completing transfers; or
  • In order to verify the existence and condition of your account to a third party, such as a credit bureau or merchant; or
  • In order to comply with government agency or court orders; or
  • If you give us your written permission.

Your Liability For Unauthorized Transfers:

You agree not to give account access to any unauthorized individuals. If you believe that someone may attempt to access your account without your consent or has transferred money without your permission, you must call us immediately at 1-800-262-4663 or write to us at Citizens National Bank, P.O. Box 88, Bluffton, OH 45817. Quickly telephoning us is the best way of reducing your possible losses.

If you believe your customer identification number and password or other access means have been lost or stolen, and you tell us within 2 business days after you learn of the loss or theft, you can lose no more than $50.00 if someone used them without your authority.

If you do NOT tell us within 2 business days after you learn of the loss or theft of your customer identification number and password or other access means, and we can prove that we could have stopped someone from using them without your authority if you had told us, you could lose as much as $500.00.

Also, if your statement shows transfers covered by this agreement that you did not make or authorize, tell us at once. If you do not tell us within 60 days after the statement was mailed to you, you may not get back any money lost after the 60 days if we can prove that we could have stopped someone from taking the money if you had told us in time.

If a good reason, (such as a long trip or hospital stay) kept you from telling us, we will extend the time periods.

If we complete a transfer that you make or authorize and we subsequently learn that you have insufficient funds for the transaction, you agree that we may reverse the transaction or offset the shortage with funds from any account you have with us. In any case, you are fully obligated to us to provide sufficient funds for any transfers you make or authorize.

Business Accounts:

The limitations on customer liability set forth in the preceding paragraphs do not apply to accounts held by businesses. Business customers agree to review promptly all statements, notices and transaction information made available to them, and to report all unauthorized transactions and errors to us immediately. Business customers agree that we may process payment and transfer instructions which are submitted with a correct customer identification number, and agree that such instructions will be deemed effective as if made by them, even if they are not transmitted or authorized by the customer.

Errors and Questions:

Call us at 1-800-262-4663 or write to us at Citizens National Bank, P.O. Box 88, Bluffton, OH 45817, as soon as you can, if you think your statement is wrong or if you need more information about a transfer or payment listed on your statement. We must hear form you no later than 60 days after we sent the FIRST statement on which the problem or error appeared.

  1. Tell us your name and account number (if any).
  2. Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information.
  3. Tell us the dollar amount of the suspected error. If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days.

We will tell you the results of our investigation within 10 business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days to investigate your complaint or question. If we decide to do this, we will re-credit your account (consumer accounts, only) within 10 business days for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we do not receive your complaint or question in writing within 10 business days, we may not re-credit your account. Under certain circumstances, the error resolution time periods are extended from "45 calendar days" to "90 calendar days". A longer period of time may apply for accounts opened within the preceding 30 days.

If we decide that there was no error, we will send you a written explanation within 3 business days after we finish our investigation. You may ask for copies of the documents that we used in our investigation.

Use of Financial Management Software:

Your account and bill payment data may be accessed using financial management (FM) software (e.g. Intuit's Quicken and Quickbooks products). Supported functionality may vary depending upon the software that you are using, and the software that we support may change from time to time. Use of FM software is intended to supplement and/or enhance use of our Online Banking service and not replace it. Access to account information through FM software must be done using an active Online Banking access identification code and password or other secure method as required. You are responsible for any necessary purchase, installation, configuration, maintenance, updates and upgrades to the FM software and/or your computer. We are not responsible for any problems related to the FM software itself, your computer or your ability to connect using the FM software as described in the Online Banking Service Agreement. We will provide you with reasonable assistance, when requested and as we are able, for the purpose of enabling your eligible deposit accounts for use with FM software that we support. We are not responsible for any problem that you may have using your FM software to connect to our Online Banking service if no known problem exists with our systems that might impede such connectivity, or if the problem is due to your software, computer or Internet service. You should verify all account data obtained and transactions executed on your accounts using FM software. Our records of transactions, instructions and communications regarding your accounts and Online Banking access supersede any records stored or created on your computer equipment through the use of FM software. Your Account Agreement(s), the Online Banking Service Agreement, and other related agreements between you and the Bank govern all transactions, instructions and communications executed or transmitted between you and the Bank using the FM software. You are responsible for any and all obligations to any software vendor arising from your use of that vendor's FM software. We do not guarantee or endorse the information, recommendations, products or services offered from third parties vendors for FM software. Such third parties may have different privacy and security policies than the Bank. You should review the privacy and security policies of any third party before you provide personal or confidential information.

Online Banking Disclosure 09-16

Click "I Agree" If You Accept the Above Terms.
Click "I Disagree" If You Do Not Accept the Above Terms.


Need funds to scale your business?

Our experienced lenders will work with you to customize a loan solution to fit your business.

Learn More