Citizens National Bank - Cheboygan

Citizens National Bank


Association Contacts

Matthew Keene, President & CEO

David Woods, Senior Vice President & Senior Loan Officer

Joe Daly, Senior Vice President-Commercial Banking

Tim Timmer, Vice President-Commercial Banking



303 N. Main

Cheboygan, MI. 49721


Citizens National Bank is a full-service, independent community bank serving nine locations in lower northern Michigan; Cheboygan, Onaway, Mackinaw City, Pellston, Indian River, Alanson, Gaylord, Rogers City and Petoskey. We are the largest, locally- owned bank in the northern lower peninsula of Michigan.

On January 24, 1931 the bank received its charter from the federal Comptroller of the Currency and is entirely owned by the CNB Corporation. Since that time, CNB has served the people and the communities of Cheboygan and over time added seven branch locations; Onaway, Mackinaw City, Pellston, Indian River; 2005 Alanson; during the fall of 2013 we opened a loan office in the heart of downtown Gaylord and in August 2015 opened a full service branch in downtown Petoskey.

Citizens National Bank is in the same location as when it originally opened doors in Cheboygan. However through the years the bank has purchased surrounding buildings both to the north and west and incorporated them into the existing structure which continues to house the main office.