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Michelle Miller

Michelle Miller

Assistant Vice President, Residential Banking


20581 State Street Onaway, MI 49765



NMLS: 972032

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Michelle has been with Citizens National Bank Indian River location since 2003. She quickly moved through the ranks and was promoted to branch manager in 2016, and in 2021 was promoted to Assistant Vice President, Residential Banking.  She is well versed in customer service and is ready to turn your home-buying dreams into reality.

Ashley Waldie

Ashley Waldie

Consumer & Residential Banking Officer

Cheboygan Main Office

303 N. Main St., Cheboygan MI 49721



NMLS: 2057739

Ashley is available to serve you and all of your consumer lending needs. Whether you're looking for a new or used vehicle, an RV, a personal loan or anything in between.  She will work with you to ensure the best possible experience with Citizens National Bank.  

Adam Cushman

Adam Cushman

Cash Manager, Business Deposit Services

Citizens National Bank -Petoskey Branch

324 Michigan St.



Adam is enthusiastic about supporting the growth of your business by providing the essential financial tools necessary for your success as a business owner. He offers assistance with Payroll Processing, Remote Deposit Capture, Business Credit Cards, Positive Pay, Sweep Services, and a range of other products. Adam is ready to meet with you to explore the various options to ensure that your business banking operations run smoothly.