The Citizens National Bank
Your Community Bank


Electronic Funds Transfer Disclosure and Agreement

The following agreement includes the disclosures required by Federal Law regarding the use of The Citizens National Bank of Southwestern Ohio "Real Cash Card" (ATM) at any approved location. The use of the Card is also subject to the terms and conditions of the agreement(s) governing your Savings, Checking, NOW, Money Market, Visa, Line-of-Credit or other Loan Account(s) (collectively called "Account(s)") to which the Card may access and to the terms and conditions of the Rules and Regulations Governing Accounts.

In this Agreement "we", "us", or "our" means The Citizens National Bank of Southwestern Ohio. "You" or "your" means the person in whose name this Card is issued. The Citizens National Bank of Southwestern Ohio "Real Cash Card" is referred to as the "Card" or "Cards". Each person who requests and receives, signs, uses or authorizes another to use a Card hereby agrees to the following terms and conditions:

1. Liability for Unauthorized Transactions
Tell us AT ONCE if you believe your Card has been lost or stolen. Telephoning is the best way of keeping your possible losses down. If you believe your Card has been lost or stolen, and you tell us within 2 business days after you learn of the loss or theft, you can lose no more than $50 if someone uses your Card at a Terminal without your permission. Notification must be followed up in writing within 10 business days to: The Citizens National Bank of Southwestern Ohio, 29 West Whipp Road, Dayton, OH 45459. Verbal notification must be made to The Citizens National Bank of Southwestern Ohio at (937) 913-8262.

If you DO NOT tell us within 2 business days after you learn of the loss or theft of your Card, and we can prove we could have stopped someone from using your Card at a Terminal without your permission if you had told us, you could lose as much as $500.

Also, if your Account statement shows transfers that you did not make, tell us at once. If you do not tell us within 60 days after the statement was mailed to you, you may not get back any money you lost after the 60 days if we can prove that we could have stopped someone from taking the money if you had told us in time.

2. Address and Telephone Number
If you believe your Card has been lost or stolen or that someone has transferred or may transfer money from your Account without your permission, call (937) 913-8262, The Citizens National Bank of Southwestern Ohio, 29 West Whipp Road, Dayton, OH 45459.

3. Business Hours

Monday - Friday 9:00 AM - 6:00 PM
Saturday 9:00 AM - 2:00 PM
Holidays are not included  

4. Account Access
When you receive your Card and personal identification number or word you may make the following transactions to or from your Accounts, which are tied into your Card:

  • Withdraw cash from your designated account(s), make deposits to designated account(s), transfer funds between your designated account(s), get a balance on your designated account(s)
  • Pay for purchases at places that have agreed to accept your Card

Some of these services may not be available at all locations or terminals.

5. Limitations on Dollar Amounts of Withdrawals
There are no limitations on the number of times and dollar amounts you may deposit to or transfer between your Account(s) or on the amounts of the bills you may pay. You may withdraw an amount up to your available balance, but no more than your approved withdrawal limit with your Card. The withdrawals may be completed through any approved terminals during a 24-hour period each day (from 12:00 a.m. to 12:00 a.m. CST) on the following business day.

6. Charges for "Real Cash Card" Transactions
Transactions conducted at any allowable terminal other than The Citizens National Bank of Southwestern Ohio terminal or a terminal owned by another financial institution participating in the Alliance One Network, will be subject to a $1.00 per transaction charge. Withdrawals from Credit Accounts are subject to the normal finance charges applied to those Accounts. Transactions in all Account types are subject to the other fees and charges outlined in the applicable Account disclosure(s).

7. Transaction Records
You will get a receipt at the time you complete any transaction at a terminal.

8. Periodic Statements
You will get monthly statements for your Checking or NOW Account(s). You will get a monthly statement for your Savings Account unless there were no electronic transactions in a particular month. In any case, you will get a statement for your Savings Account at least quarterly.

9. Liability for Failure to Make Transaction
If we do not complete a transfer to or from your Account(s) on time or in the correct amount, according to our Agreement with you, we will be liable for your actual losses or damages. However, there are some exceptions. We will not be liable, for instance:

  • If, through no fault of ours, you do not have enough collected funds in your Account to complete a transaction. If the transaction would go over the credit limit established on your Overdraft Line of Credit Account. If the Terminal where you are making the transaction does not have enough cash. If the Terminal or the system was not working properly and you knew about the breakdown when you started the transaction. If circumstances beyond our control (such as a fire or flood) prevent the transaction, despite precautions that we have taken. If your Account has been closed or credit privileges have been terminated. If the Card being used has been reported lost or stolen. If the transaction would exceed the Limitations on Dollar Amounts of Withdrawals (see #5 above).
  • There may be other exceptions stated in our Agreement with you.

10. Account Information Disclosure
We will disclose information to third parties about your Account or the transactions you make:
(a) where it is necessary for completing the transaction, or
(b) in order to verify the existence and condition of your Account for a third party, such as a credit bureau or merchant, or
(c) in order to comply with government agency orders, court orders, or other authorized legal processes, or
(d) if you give us your written permission.

11. Cash Advances
You assume responsibility for all transactions arising from authorized use of the Card whereby Cash Advances are made from your Line of Credit by way of a Terminal, and further agree to repay all such amounts. All uses of the Card to obtain Cash Advances of any type, or to utilize your credit privileges related to your Line of Credit shall also be subject to all the terms and conditions of all other agreements and disclosure statements whereby we have agreed to grant credit privileges to you.

12. Default
You will be in default if:
(a) You break any of the promises made in the Agreement.
(b) Bankruptcy proceedings are started by or against you or you become insolvent.
(c) You die or become legally incompetent.
(d) You do not pay us any payment you owe us on time.

If any of the above happens, we can require that the entire balance you owe us through the use of your Card be paid at once, without prior notice or demand. We also can, without notice, take the balance you owe us out of any Checking, NOW, Money Market Checking, Savings or Money Market Savings Account, Certificate of Deposit.

13. Changing This Agreement
We have the right to change this Agreement from time to time, effective upon notice to you, mailed to you at your last known address shown on your records, or on any other stated effective date. We will notify you at least 30 days before a change will take effect if it will cause you greater costs or liability or if it will limit your ability to engage in Card transactions. We do not have to notify you in advance, however, if the change is necessary for security reasons. Notice to one Account holder shall be considered notice to all holders of the Account.

14. Termination
The Card is the property of The Citizens National Bank of Southwestern Ohio, and may be canceled and its privileges revoked at any time without prior notice to you. You shall return the Card to us upon demand, or our agent, or we may repossess it at any time. You may surrender the Card issued (only by surrendering all Cards issued on the Account) and terminate the Agreement as to future use of the Card at any time. No such termination of the Agreement by you shall be effective as to your obligations prior to the date such termination notice is received by us.

15. General

  • Unless specifically otherwise provided, the terms and conditions hereof apply to The Citizens National Bank of Southwestern Ohio ATM Card. Neither this Agreement, nor the use of the Card in connection with any instrument, shall affect or impair in any manner, your obligations with respect to, or under, any instrument endorsed by, or drawn on, your account. The authorized use of a Card at any Terminal location pursuant to your instructions to withdraw or transfer funds from any individual or joint Account with us shall operate as your consent to withdraw or transfer funds from such Account under the terms of the applicable Account Agreements and all rules and regulations governing such Account(s). Any overdrafts created against your Account(s) may be paid by charging such amount to any other Account.
  • This Agreement shall be governed by the laws of the state in which the Card is issued except to the extent Federal Law is applicable. Any omission or delay by us in exercising our rights hereunder shall not constitute a waiver of those rights. If any part of this Agreement is unenforceable, it will not make any other part unenforceable.

16. In Case of Errors of Questions About Your Card Transactions Relating to Your Account(s):
Telephone us at: (937) 913-8262
Or write to:

The Citizens National Bank of Southwestern Ohio
29 W Whipp Road
Dayton, OH 45459

We must hear from you no later than 60 days after we sent you the first statement on which the problem or error appeared.
(a) Tell us your name and Account number
(b) Tell us your ATM card number
(c) Describe the error or the transaction you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information.
(d) Tell us the dollar amount of the suspected error.
If you tell us orally, we will require that you send us your inquiry in writing within 10 business days.

We will tell you the results of our investigation within 10 business days after we hear from you and will correct our error promptly. If we need more time, however, we may take up to 45 days to investigate your inquiry. If we decide to do this, we will re-credit your Account within 10 business days for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within 10 business days, we may not re-credit your Account.

If we decide that there was no error, we will send you a written explanation within 3 business days after we finish our investigation. You may ask for copies of the documents that we used in our investigation.

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The Citizens National Bank Of Southwestern Ohio Privacy Policy

The Citizens National Bank of Southwestern Ohio (TCNB) recognizes the importance of maintaining trust and protecting the confidentiality of our customers' personal information and respecting their rights to privacy.

Confidentiality and the protection of customer information is one of our fundamental responsibilities. The safekeeping of customer information is a priority. We maintain standards and procedures to prevent misuse of this information.

Use, Collection and Retention of Customer Information
We collect, retain and use information about our customers only for business purposes. We use information to protect and administer our customers' records, accounts and funds; to comply with laws and regulations; to design or improve our products and services; and to understand our customers' financial needs so that we may provide the very best in quality service.

Maintenance of Information
We maintain complete and accurate information about our customers and their accounts to make sound credit decisions; to better assist our customers in choosing the right products, and to be consultative to our customers. Procedures are in place to investigate and correct any information that may be inaccurate.

Access to Information
Procedures and security measures are in place to limit access to personal information to those employees who have a need to know that information. TCNB employees are responsible for maintaining customer confidentiality and employees who violate this will be subject to disciplinary measures.

Protection of Information
We maintain and grant access to customer information only in accordance with internal security procedures.

Restrictions on Disclosure of Account Information
We do not reveal customer account information or other personal information to unaffiliated third parties for their independent use, except for the exchange of information with reputable reporting agencies (for example, a credit reporting agency). There are, however, exceptions we honor on behalf of our customers: 1) the information is required to complete a customer initiated transaction; 2) our customer requests it; or 3) we are required or allowed by law to disclose it (for example in response to a subpoena). We do not provide account or personal information to nonaffiliated parties for the purpose of independent telemarketing or direct mail marketing or any non-financial products or services.

Third Parties
At times it may be necessary to provide confidential information to a third party, such as a service bureau, that we hire to prepare account statements. When TCNB conducts business with third parties, we expect them to maintain the same high standards of confidentiality we hold.

Disclosing Our Privacy Commitment to Our Customers
TCNB recognizes and respects the privacy expectations of our customers. We want our customers to understand our commitment to privacy. This privacy policy is the foundation of the commitment.

Privacy Disclosure Notice
The Citizens National Bank of Southwestern Ohio

It is the policy of The Citizens National Bank of Southwestern Ohio not to disclose any non-public personal information about our customers or former customers to anyone, except as permitted by law.

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The Availability Of Your Funds

The Citizens National Bank of Southwestern Ohio's policy is to make deposited funds available for withdrawal no later than the first business day after the day your deposit is received by us. Deposits comprised of cash, wire transfers and/or electronic direct deposits (ACHs) will be available on the day we receive your deposits.

For determining the availability of your deposits, every day is a business day, except Saturdays, Sundays, and federal holidays. If you make a deposit at a branch, night depository or a deposit is delivered to The Citizens National Bank Of Southwestern Ohio via courier by 5:00 p.m. Eastern Standard Time or otherwise posted cut off time (2:00 p.m. for ATM deposits) on a business day we are open; we will consider that day to be the day of your deposit. However, if you make a deposit after 5:00 p.m. Eastern Standard Time or otherwise posted cut off time or on a weekend or federal holiday, we will consider that the deposit was made on the next business day.

Delays in availability of funds may apply:
In some cases, we will not make all of the funds that you deposit by check available to you on the first business day after the day of your deposit. Depending on the type of check you deposit, funds may not be available until the fifth business day after the day of your deposit. The first $100 of your deposit, however, will be available on the first business day, day of deposit.

If we are not going to make all of the funds from your deposit available on the first business day, we will notify you at the time you make your deposit. We will also tell you when the funds will be available. If your deposit is not made directly to one of our employees or if we decide to take this action after you have left the premises, we will mail you the notice by the day after we receive your deposit.

If you will need the funds from a deposit right away, you should ask us when the funds would be available.

In addition, funds you deposit by check may be delayed for a longer period under the following circumstances:

  • We believe a check you deposited is uncollectable; You redeposit a check that has been returned unpaid; You have overdrawn your account repeatedly in the last six months
  • There is an emergency , such as failure of communication or computer equipment

We will notify you if we delay the availability of withdrawal of your funds for any of the above reasons, and we will tell you when the funds will be available. The funds will generally be available no later than the seventh business day after the day of your deposit.

Availability of funds other than those deposited to your Citizens National Bank of Southwestern Ohio account:
If we cash a check for you that is drawn on another financial institution, we may withhold the availability of a corresponding amount of funds that are already in your account. Those funds (being held) will be available at the time funds from the check we cashed would have been available if you had deposited the check.

If we accept for deposit a check that is drawn on another financial institution, we may make funds from the deposit available for withdrawal immediately but delay your availability to withdraw a corresponding amount of funds that you have on deposit in another account with us. The funds in the other account would then not be available for withdrawal until the time periods that are described elsewhere in this disclosure for the type of check that you have deposited.

New Account Special Rules:
If you are a new The Citizens National Bank of Southwestern Ohio customer, the following special rules may apply during the first 30 days your account is opened.

Funds from electronic direct deposits, cash deposits, wire transfers and the first $5,000 of a business day's total deposits of cashier's, certified, traveler's, teller's, federal, state, and local government checks will be available on the first business day after the day of your deposit if the deposit meets certain conditions.

For example, the checks must be payable to you. The excess over $5,000 may not be available until the ninth business day after the day of your deposit. If your deposit of these checks (other than U.S. Treasury checks) is not made in person to one of our employees, the first $5,000 will not be available until the second business day after the day of your deposit. And, funds from other check deposits will be available on the ninth business day after the day of your deposit.

"The Expedited Funds Availability Act" and Federal Reserve System Regulation CC mandate this disclosure.

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Schedule of Fees

Services Offered Fees
ATM (Debit) Card Replacement $5
Official Check $5
Returned Deposited Item $5
Dormant $4 / month
Garnishment, Levy, or Attachment $50
Overdraft Paid $30
Continuous Overdraft $5 / 5+days
Overdraft Returned $25
Bill Pay Overdraft Paid $30
Bill Pay Overdraft Returned $25
Account Research (per hour) $20
Stop Payment $20
Early Account Closing  
(prior to 90 days open) $20, < 90 days
Wire Transfer  
                   Outgoing $15
                   Incoming $10
                   International $40
Overdraft Protection (annual fee) $20
Returned Statement Handling Charge $5
Minimum account opening deposit:  
(DDA & Savings) See types
Collection Fee $15
Returned foreign deposited item $30
                   Inquiry (non-bank owned) $1
Counter Checks $1 per sheet
Prepaid Gift Card / Reloadable Travel Card $5 / $10
Alien Media Reject $5
Deposit Box (per year)  
                    5x5 $25
                    3x10 $35
                    5x10 $50
                    7x10 $65
                    10x10 $100

*TCNB is dedicated to offering the most competitive terms available in the our area, while maintaining an uncommon level of customer service. Any variances in fees shown will be posted 30 days in advance of change.