CNB Connection

In 2019, Aite Group reported that U.S. consumer adoption of mobile P2P payment methods is beginning to gain steam, and U.S. consumer use of mobile P2P payment methods has grown by 111% since 2014. While CNB has offered P2P payments for several years now through Popmoney, we've recently transitioned to Zelle to make it even easier for our customers to send and receive money more quickly.

As an added incentive for using Zelle this holiday season, receive an entry for our Season of Giving campaign for initiating a new payment through it from November 1 through December 31. Four winners will be drawn at random to win $5,000 and $1 will be donated to the charity Good 360 for each qualifying transaction during the promotional period.

Whether you prefer push notifications, text alerts, or email alerts, you can now enroll in a variety of notifications that will automatically provide the information you want to know about your CNB accounts.

If you're looking for a great credit card that offers a competitive rate, no annual fee, and the opportunity to earn rewards, consider a Platinum Visa from Citizens National Bank. As a CNB Visa cardholder, you'll benefit from our rewards program, called UChooseRewards.

Beginning November 1 through December 31, you can purchase Visa gift cards from any Citizens National Bank location with no purchase fee, a savings of $4.95. Giving a gift card takes the guesswork out of picking the perfect gift, allowing the recipient to use it for whatever they choose.

Concerned about physical contact at the store? Wave and pay with your mobile phone and avoid having to key in your PIN at checkout with mobile wallets.

Arrange on a party tray with a cracker assortment to share. Recipe was submitted by Mercer Development from our "Cooking It Up with CNB" recipe contest.

Gifts aren't the only expense at the holiday. All those holiday parties and family get-togethers that you need to take a dish for, as well as the special treats you like to bake, can really eat into your grocery shopping budget.

Can serve with homemade bread. Recipe was submitted by Pat A. from our "Cooking It Up with CNB" recipe contest.

Do you have a budget? Do you have an emergency fund? Do you know how compound interest works? If you answered no to any of these questions, you're not alone.

If you love the convenience of using a credit or debit card, but are concerned about the possibility of having it lost or stolen while traveling, consider using a Visa Travel Card from CNB.

If you prefer to use your phone for making payments, we have good news for you. All Citizens National Bank's debit and credit cards are now able to be loaded into Apple Pay, Samsung Pay or Google Pay.

An icy treat to beat summer heat. Recipe was submitted by Beth V. from our "Cooking It Up with CNB" recipe contest.

The College Board estimates the cost of college per year for a student living on campus ranges from $25,890 - $52,000. That can be a pretty daunting number for parents to save for, or an even more daunting amount of debt for students to have to pay off after the fact.

Brittany Brubaker and Lindsey Wollam

When Bob and Lindsey Wollam decided to move back to Ohio so that he could work in his family's agriculture business the first thing they needed to do was to find a new home. Family friends told them about a house that was coming up for sale that might work for them. They were excited to find a home in the country that was close to family. The second challenge was finding a bank to finance it.

Garnish with a sprig of parsley for the perfect festive touch. Recipe was submitted by Anita A. from our "Cooking It Up with CNB" recipe contest.

According to a Deloitte 2018 Holiday Survey, US consumers plan to spend on average $1,536 on the holidays this year. This is an increase from last year and doesn't take into account what they choose to purchase for themselves as they shop for others.

Your credit score impacts many things, such as whether or not you can purchase a car, what the interest rate you will pay on your mortgage will be and even if you're able to rent an apartment. Knowing this, it's important to stay on top of what your score is and monitor it closely to be sure everything is correct on your credit report so no wrong information negatively affects it.

It's time to freeze your credit. For free. As of September, credit freezes at the three bureaus — Equifax, Experian and TransUnion — are free for everyone, including kids.

Made from scratch. Recipe was submitted by Jewell K. from our "Cooking It Up with CNB" recipe contest.

As we age and begin to consider our financial options in retirement, one of the biggest concerns can be social security.

With a Visa credit card from Citizens National Bank not only do you get a competitive interest rate, but also a robust point-based rewards program which allows you to purchase electronics, apparel, travel, concert tickets and even gift cards.

Convenience for Recurring Payments

Visa has implemented a new program that provides a seamless transition when your Citizens National Bank Visa credit or debit card expires or is replaced.

Using a debit or credit card is certainly more convenient than carrying around a lot of cash, but even so you might have concerns about fraudulent use of your card information or worries about if they would get lost or stolen.

Now more than ever we rely on debit and credit cards on a daily basis. When you realize you've lost one or even worse had one stolen, it can be a sickening feeling.

Serve in a hollowed out pumpkin for extra flair. Recipe was submitted by Carrie W. from our "Cooking It Up with CNB" recipe contest.

CNB Online Banking has a new look and feel. To check it out, simply log in with your current username and password.

No bread needed. Recipe was submitted by Diane M. from our "Cooking It Up with CNB" recipe contest.

You may need to save more for retirement than you realize. It is very common for people to underestimate their retirement savings and retirement income needs. Whether you are 5 years or 35 years away from retiring, you need to be confident that you are doing the right things for your financial future - saving enough, investing what you save in a way that is appropriate for you, and managing risks to your savings.