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Michelle Miller

Michelle Miller

Assistant Vice President, Residential Banking


20581 State Street Onaway, MI 49765



NMLS: 972032

Mortgage Application Checklist

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 Banking Specialist

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.