Citizens National Bank offers a range of financial products and services to individuals and businesses. It provides a variety of checking and savings accounts, as well as certificates of deposit. The bank offers individual retirement accounts and mortgage options. Citizens National Bank also provides home equity and Small Business Administration loans. It offers online financial calculators to estimate monthly loan payments. The bank provides a variety of commercial and mortgage loans. Additionally, Citizens National Bank offers online and telephone banking services. It maintains a network of various branches and ATMs. The bank also provides credit and debit cards, as well as offers cash management services.