Citizens Federal Savings and Loan Association

06/03/2026

How do thieves misuse your personal information?

Without adequate protection, thieves can obtain your name, Social Security number, credit card, or other personal information and misuse it to do any of the following:

-File for bankruptcy to avoid being evicted or paying debts.

-Obtain a fake driver's license.

-Open credit accounts.

-Perpetrate criminal acts.

-Purchase goods and services.

-Rent a home or apartment.

-Obtain employment.

-Take out auto loans to buy a car.

Identity thieves are only successful when people do not actively protect their information, monitor their accounts, or report suspicious activity. Solutions like ID TheftSmart, offered through Citizens Federal Savings and Loan, can give you peace of mind knowing that licensed identity theft investigators are actively monitoring your sensitive information.

Read the full article at the link below to learn more about identity theft and how to protect against it.

In today’s digital world, most of our daily interactions and transactions take place online. Video conferencing, email, online shopping, social media, and online banking all involve people willingly putting their personal information on the internet to thrive in our modern society. If you are not ...

06/02/2026

What is identity theft?

Identity theft is the criminal act in which someone steals your personal information and claims it as their own to purchase goods or services, while damaging your credit in the process.

The question isn't if identity theft will happen, but when. According to the Federal Trade Commission, your odds of becoming a victim of identity theft are about 1 in 15, and many people fall victim to identity fraud without realizing it if they are not aware of the signs.

The most common indicators of identity theft may include:

Failing to receive bills or other mail.

Receiving credit cards that you didn't apply for.

Being denied credit or being offered less favorable credit terms, like a high interest rate, for no apparent reason.

Being denied employment due to bad credit or a criminal record.

Getting calls or letters from debt collectors or businesses about merchandise or services you didn’t buy.

Identity theft differs from account takeover fraud (or current account fraud), which occurs when a cybercriminal gains access to your digital login credentials to steal money or other information. While both are serious situations that require immediate action, people who commit identity theft pose as the other person for an indefinite amount of time (unless they are caught) and do not necessarily use your existing accounts.

Read the full article at the link below to learn more about identity theft and how to protect against it.

In today’s digital world, most of our daily interactions and transactions take place online. Video conferencing, email, online shopping, social media, and online banking all involve people willingly putting their personal information on the internet to thrive in our modern society. If you are not ...

05/28/2026

Congratulations, Baylee, on your new home! Thank you for choosing Citizens Federal! If you’re thinking about buying your next home, give Jess a call today at 937-651-3018 or apply online at cfsl.bank/applynow!

05/27/2026

Congratulations, Colin and Ashley, on your new home! Thank you for choosing Citizens Federal! If you’re thinking about buying your next home, give Jess a call today at 937-651-3018 or apply online at cfsl.bank/applynow! Link in bio

05/27/2026

Congratulations to all the distinguished alumni being recognized this year! Chuck has been an invaluable part of Citizens Federal for many years. His steady leadership as president and later as board chairman have allowed us to remain a strong and reliable financial institution for our community. Thank you for your years of service to our staff, customers, community, and our nation!

05/22/2026

We love advertising with Horvath Productions because they always capture such amazing memories and moments for our student athletes and community! Congratulations to the Bellefontaine High School class of 2026! The best is yet to come!

05/20/2026

05/19/2026

Thank you to the high school students for sharing your artwork with us and your community! Shoutout to Jennifer Davis for bringing all this wonderful artwork to display in our lobby. Our customers are always a little sad when our art display is empty, so thank you to the students and their teachers for helping to fill it. You’re all very talented and we’re so excited to enjoy your art all summer long!