Onaway Branch

Michelle Miller has been with CNB for 22 years, building a strong reputation for exceptional customer service and financial expertise. Throughout her career, she has held roles in branch operations, management, and residential banking, ensuring customers receive the support they need at every stage. Actively involved in the Indian River community, Michelle is a member of the Kiwanis Club, fundraises for Ronon’s Place, and volunteers for local food distributions and blood drives. Known for her dedication and teamwork, she is committed to helping customers achieve their financial goals with personalized solutions.

Mortgage Application Checklist

Ashley Waldie has been a key part of the CNB team since 2019. Starting in the collections department before moving into consumer lending, she played a pivotal role in building and developing the bank’s consumer loan department. With a strong commitment to customer service, Ashley works closely with clients to find the right financing solutions for vehicles, RVs, personal loans, and more. Her dedication to making the lending process smooth and stress-free ensures customers receive the best possible experience at Citizens National Bank.

Adam Cushman has 20 years of banking experience spanning mortgage lending, retail banking, investing, insurance, and branch management. Since joining CNB, he has played a key role in building strong business relationships and enhancing cash management services. Adam is responsible for product development, pricing, customer experience optimization, and process implementation within the Cash Management Department. A skilled business developer and active calling officer, he is dedicated to helping businesses streamline their financial operations with solutions like payroll processing, remote deposit capture, and business credit cards. His expertise ensures that businesses have the tools they need to succeed.