The Citizens National Bank of Mcconnelsville logo

The Citizens National Bank of Mcconnelsville in Mcconnelsville, OH

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Citizens National Bank of McConnelsville is a community bank offering checking, savings, CDs, online banking, mobile banking, and identity theft protection services.

Data compiled from public sources

The Citizens National Bank of Mcconnelsville Review

Citizens National Bank of McConnelsville (CNB) operates as a traditional community bank serving customers through digital and in-person banking channels. com and provides core banking services designed for both individual and business customers. The bank's service offerings include checking accounts (including new business checking options), savings accounts, certificates of deposit (CDs), home equity lines of credit (HELOC), mobile banking, online banking, and identity theft protection through a partnership with Kroll Fraud Solutions.

99/month to enhanced monitoring packages with Dark Web scanning capabilities. The bank emphasizes security features, digital accessibility, and customer transition support for those switching banks. CNB distinguishes itself through its partnership with Kroll Fraud Solutions for comprehensive identity theft services, offering tiered protection options rather than a one-size-fits-all approach.

The bank specifically targets small business customers with tailored checking account options and promotes its BaZing-powered checking account for both domestic and international use. Their marketing emphasizes ease of account switching with dedicated Universal Bankers to guide customers through the transition process. As a community bank, CNB's primary strength lies in personalized service and local relationships.

The identity theft protection partnership is a notable value-add, but full service details beyond the basic tier descriptions are incomplete on the available pages.

Services & Features

Account switching assistance through Universal Bankers
Business checking accounts (three tailored options for different business sizes)
Certificates of Deposit (CDs)
Home Equity Lines of Credit (HELOC)
ID TheftSmart Consultation + Restoration service ($2.99/month)
ID TheftSmart idINTEGRITY Scan with Dark Web monitoring
Identity theft consultation and guidance services
Mobile banking app
Online banking platform
Personal checking accounts with BaZing benefits
Savings accounts

Feature Checklist

Mobile App
Online Portal
Score Tracking
Credit Education
Personal Advisor
Identity Theft Protection

Pros & Cons

Pros

  • Offers tiered ID TheftSmart identity theft protection starting at $2.99/month with licensed investigators for full restoration service
  • Partnership with Kroll Fraud Solutions provides professional identity theft investigation and restoration if fraud occurs
  • Three tailored business checking account options for businesses of different sizes
  • Mobile banking app available for account management on-the-go
  • BaZing-powered checking accounts support domestic and international shopping
  • Home Equity Lines of Credit (HELOC) for home improvement financing
  • Dedicated Universal Bankers to assist customers switching from other banks
  • Online banking with video tutorials for customer support

Cons

  • Website content does not disclose APY rates, account fees, or minimum balance requirements
  • Limited geographic information available; unclear service area or number of physical locations
  • ID TheftSmart service details incomplete on website (idINTEGRITY Scan description cuts off mid-sentence)
  • No information about loan products, mortgage offerings, or business lending terms
  • Marketing-heavy homepage with limited functional product comparison or listed pricing

State Consumer Finance Context

This is state-level context for Banks consumers in Mcconnelsville, OH. It does not confirm that The Citizens National Bank of Mcconnelsville or this specific location is licensed.

State regulator

Ohio Department of Commerce Division of Financial Institutions

Key state rules to check

  • HB 123 (2018) reformed payday lending with 28% APR cap plus a monthly maintenance fee.
  • Short-term loans capped at $1,000 with minimum term of 91 days.
  • Monthly maintenance fee of up to 10% of original principal (max $30/month).

Source: CreditDoc state-law summary and listed public regulator resources. Verify licensing directly with the listed state regulator before relying on a provider.

Frequently Asked Questions

What services does The Citizens National Bank of Mcconnelsville offer?

The Citizens National Bank of Mcconnelsville offers 11 services including Business checking accounts (three tailored options for different business sizes), Personal checking accounts with BaZing benefits, Savings accounts, Certificates of Deposit (CDs), Home Equity Lines of Credit (HELOC), and 6 more.

What profile signals are listed for The Citizens National Bank of Mcconnelsville?

The Citizens National Bank of Mcconnelsville has profile signals associated with Small business owners seeking tailored business checking options with local bank relationships, Consumers concerned about identity theft who want professional restoration services at low cost, Existing customers of other banks looking to switch with personalized transition support, Customers seeking bundled banking services including CDs and home equity financing.

What are the strengths and weaknesses of The Citizens National Bank of Mcconnelsville?

Key strengths: Offers tiered ID TheftSmart identity theft protection starting at $2.99/month with licensed investigators for full restoration service; Partnership with Kroll Fraud Solutions provides professional identity theft investigation and restoration if fraud occurs; Three tailored business checking account options for businesses of different sizes. Areas to consider: Website content does not disclose APY rates, account fees, or minimum balance requirements; Limited geographic information available; unclear service area or number of physical locations.

How does The Citizens National Bank of Mcconnelsville compare to similar companies?

In the Banks category, comparable providers include 1st National Bank, Bank419, Belmont Savings Bank. Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.

Quick Facts

Founded
1900
Headquarters
Mcconnelsville, OH
BBB Accredited
No
Certifications
FDIC Insured FDIC Cert #6638
Visit The Citizens National Bank of Mcconnelsville

CreditDoc Profile Note

Research Note on The Citizens National Bank of Mcconnelsville

Citizens National Bank of McConnelsville is profile signals for small business owners and individual customers seeking personalized community bank services with emphasis on identity theft protection. The main caveat is that the website lacks listed pricing, rate information, and complete service details, requiring direct contact with the bank to compare competitiveness and understand full product features.

Profile Signals

  • Small business owners seeking tailored business checking options with local bank relationships
  • Consumers concerned about identity theft who want professional restoration services at low cost
  • Existing customers of other banks looking to switch with personalized transition support
  • Customers seeking bundled banking services including CDs and home equity financing
Updated 2026-05-08

Similar Companies

1st National Bank logo

1st National Bank

1st National Bank is a community bank based in Ohio offering checking, savings, credit cards, mortgages, and auto loans with local branch presence and online banking services.

BBB: NR

Profile signals: Ohio residents seeking community banking with local branch relationships, First-time homebuyers interested in down payment assistance and listed savings products

Bank419 logo

Bank419

Bank419 (formerly Metamora State Bank) is a community bank offering checking, savings, loans, and credit cards with a focus on personalized service across three Ohio locations.

BBB: NR

Profile signals: Small business owners in Ohio seeking personalized refinancing and lending relationships with local decision-makers, Customers in Metamora, Sylvania, and Maumee who prioritize face-to-face banking and community connection over digital convenience

Belmont Savings Bank logo

Belmont Savings Bank

Community bank with 140 years of history serving the Ohio Valley, offering personal and business banking, loans, mortgages, and digital services.

BBB: NR

Profile signals: First responders (police, firefighters, EMTs, nurses) seeking mortgages with lower-cost listed terms and no PMI, Ohio Valley residents seeking community banking with local decision-making and personal relationships

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Quick Summary

  • The Citizens National Bank of Mcconnelsville is listed as a Banks provider in Mcconnelsville, OH on CreditDoc.
  • Use this page to check contact details, location, listed services, review signals, FAQs, and similar providers before deciding what to do next.
  • If you need a loan, account, installment option, credit help, or debt support, start with the fit quiz and compare alternatives before contacting a provider.
  • For broader context, continue into the free Credit Fundamentals course or a relevant financial wellness guide.

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