Citizens National Bank, located in Bluffton, Ohio, offers a range of financial services to residential and commercial customers. Its services and products include credit cards, loans, savings and checking accounts, personal finance, 24-hour ATMs, telephone banking, direct deposit and authorized payments. Citizens National Bank also offers a variety of business services, including business accounts and cash management, commercial loans and real estate, express lending, lines of credit and certificates of deposit. The bank provides a wide range of loan options to meet individual requirements, such as commercial real estate loans, construction loans, commercial and industrial loans, land acquisition and development loans. It also offers investments and insurance, including individual retirement accounts, discount brokerage, and life and disability insurance.