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Business Visa Credit Card Agreement Disclosure

Interest Rates and Interest Charges
Annual Percentage Rate (APR) for Purchases


APR for Balance Transfers


APR for Cash Advances


How to Avoid Paying InterestYour due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date.
Minimum Interest ChargeIf you are charged interest, the charge will be no less than $1.00.
Set-up and Maintenance Fees
  • Annual Fee

Transaction Fees
  • Cash Advance
  • Foreign Transaction

Up to 1% of the transaction amount.
Penalty Fees
  • Late Payment
  • Returned Payment

Up to $35.00
Up to $15.00

How We Will Calculate your Balance: We use the daily balance method (including new transactions).

Authorization: Terms governing the use of your card will be included in the Business Credit Card Agreement signed upon approval of your card(s). By using the account or any card, authorizing their use, or making any payment on the account, you agree to be bound by these terms.

The information about the costs of the card described in this application is accurate as of March 2022, when it was printed. This information may have changed after that date. To find out what may have changed, call us at 1-800-262-4663 or write to us at: The Citizens National Bank of Bluffton, 102 S. Main St., Bluffton, OH 45817.


Why?Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.
What?The types of personal information we collect and share depend on the product or service you have with us. This information can include:
  • Social Security number and Income

  • Account Balances and Payment History

  • Credit History and Credit Scores

When you are no longer our customer, we continue to share your information as described in this notice.
How?All financial companies need to share customer's personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customer's personal information; the reasons Citizens National Bank chooses to share; and whether you can limit this sharing.
Reasons we can share your personal informationDoes Citizens National Bank share?Can you limit this sharing?
For our everyday business purposes -
such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus
For our marketing purposes -
to offer our products and services to you
For joint marketing with other financial companiesNoWe Don't Share
For our affiliates' everyday business purposes -
information about your transactions and experiences
NoWe Don't Share
For our affiliates' everyday business purposes -
information about your creditworthiness
NoWe Don't Share
For our affiliates to market to youNoWe Don't Share
For nonaffiliates to market to youNoWe Don't Share
Questions?Call 800-262-4663 or go to
What we do
How does Citizens National Bank protect my personal information?To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.
How does Citizens National Bank collect my personal information?We collect your personal information, for example, when you
  • Open an Account or Deposit Money

  • Pay Your Bills or Apply for a Loan

  • Use Your Credit or Debit Card

We also collect your personal information from others, such as credit bureaus, affiliates or other companies.
Why can't I limit all sharing?Federal law gives you the right to limit only
  • sharing for affiliates' everyday business purposes - information about your creditworthiness

  • affiliates from using your information to market to you

  • sharing for nonaffiliates to market to you

State laws and individual companies may give you additional rights to limit sharing.
Google reCAPTCHACitizens National Bank uses Google reCAPTCHA to protect their forms from spam. View Google reCAPTCHA’a Privacy and Terms for more information
AffiliatesCompanies related by common ownership or control. They can be financial and nonfinancial companies.
  • Citizens National Bank does not share with our affiliates.
NonaffiliatesCompanies not related by common ownership or control. They can be financial and nonfinancial companies.
  • Citizens National Bank does not share with non-affiliates so they can market to you.
Joint marketingA formal agreement between nonaffiliated financial companies that together market financial products or services to you.
  • Citizens National Bank doesn't jointly market.

Rev. 11/2010