Established in 1931 Citizens National Bank (CNB) remains a community bank from the shores of lakes Huron and Michigan, north to the Mackinac Bridge. CNB is headquartered in Cheboygan with 11 total locations, Cheboygan (3), Onaway, Mackinaw City, Pellston e-Branch, Indian River, Alanson, Rogers City Loan Office and Petoskey (2). OUr mission is to be the employer and lender of choice in northern Michigan helping our communities build strong economies. We are the LEADERS IN LENDING in northern Michigan developing strong relationships with our customers for generations. Our Universal Banking model is unique to the north - our customers meet with a Universal Banker who can take care of 90% of their banking needs. Our CNB Kasasa checking accounts offer monthly rewards and reimbursed ATM fees!