logo right_logo
About UsSavingsLendingResource CenterServicesContact Us
Citizens Federal Savings & Loan

 Welcome to Citizens Federal!   

Please Welcome Our New President

Justin M. Dinovo


A life-long resident of Bellefontaine, Mr. Dinovo graduated from Bellefontaine High School in 1999.  A 2007 graduate of The Ohio State University, Mr. Dinovo earned his Bachelor's degree in Business Administration.  During his time at The Ohio State University, Mr. Dinovo earned an award for "Most Outstanding Student" for General Business.

Mr. Dinovo joined the staff at Citizens Federal Savings and Loan Association in January 2009 and has served the Association as both a Loan Officer and an Assistant Vice President.  In addition to his duties at Citizens Federal, Mr. Dinovo has had the opportunity to further his studies.  He is a 2010 graduate of the Ohio Banker's League's Bank Management School, a 2012 graduate of OBL's Bank Leadership Institute, and a 2013 graduate of the Graduate School of Banking in Madison, Wisconsin.  He begins his new position July 1, 2016 as President and Managing Officer at Citizens Federal Savings and Loan Association replacing John R. (Rick) Hatcher who will continue to serve on the Board of Directors.

Mr. Dinovo rounds out his management position with his involvement in the community.  He has previously served for six years as a Board Member for Green Hills Retirement Center where he also served as a Treasurer for four years as well as serving on the United Way Board.  Currently, Mr. Dinovo is the Finance Chair for The Hilliker YMCA, the Immediate Past Chair for OBL Next Generation Advisory Board, and is a member of the Bellefontaine Planning Commission.

Completing Mr. Dinovo's family are his wife Alicia and two children Keaton and Mayah along with Izzie, the family dog.  Besides life at Citizens Federal, Mr. Dinovo enjoys spending time with family and friends, the beach, and playing a variety of sports.

Please stop by and welcome Mr. Dinovo, his door is always open.


  We are on Facebook!  Citizens Federal Facebook Page

Join us on Facebook, & like our page!



Discover the advantages of the MoneyPass ATM network ! 

Citizens Federal Savings & Loan Association offers you surcharge-free ATM access nationwide through the MoneyPass Network. We are proud to offer you access to over 25,000 surcharge-free ATMs where you live, work and travel – and we like helping you save a few dollars when you visit these ATMs. You may already be familiar with the online ATM locator at www.moneypass.com or have downloaded the free ATM locator app to your phone. But did you know about the new MoneyPass Facebook page? The MoneyPass page posts helpful information about the network, as well as updates when new ATMs are added. Money and time saving tips are also posted to help you save even more!

  Take full advantage of the savings MoneyPass brings by using MoneyPass ATMs anytime you aren’t near the Citizens Federal Savings & Loan ATM. 

Do you have a lost or stolen ATM or debit card?  Call 1-800-528-2273 for assistance,

or email opptracking@cmcone.com

 "Electronic mail is not secure, and confidential or personal information should not be communicated in this manner"

 Citizens Federal has been providing friendly and personal service to individuals and businesses for over 130 years. We take pride in our community and service to our customers. 


 Check out our Online Banking!

   To enroll or logon to Online Banking, click the Online Banking link.

Online Banking.  Our online banking product offers our customers the convenience of:

Monitoring your account(s) activity

Transfer between Citizens Federal accounts

Free Bill Pay

Account Alerts (set up by the customer)

e-statements (you must be signed up for e-statements to view)

The ability to view your check images

Import your information to your financial software

Safe and secure program

If you have questions about our Online Banking, contact us at (937) 593-0015.


  Use the Citizens Federal Voice Banking for accurate 24-hour account information

Dial 1-800-436-5177 using a touch-tone telephone and follow the easy steps for entering your User Id and Pin Code. You will be able to obtain:

 Transfer between Savings & Checking

Account Balance

Account History (Limited)

Pay Mortgage & Home Equity Payments

Savings to checking may transfer 5 times free in a calendar quarter, ex: Jan-March. Each transfer after 5 is 50 cents each.

Checking to savings may transfer 5 times free in a month. Each transfer after 5 is 50 cents each.

Also, check out our 24 Hr. ATM located at our Drive-Thru.  

 click the Star icon for the ATM locator  



Please take a moment to read our Privacy Statement | USA Patriot Act | Employee Rights under the National Labor Relations Act, and the Internet Security and Fraud Alerts.

 Do you have questions about FDIC Deposit Insurance?  Check out the FDIC Electronic Deposit Insurance Estimator (EDIE) at https://www.fdic.gov/edie. This site supplies very beneficial information, along with a tutorial about FDIC Insurance.

Page Menu

 Thank you for visiting our site.
Bookmark it today and let us know what you think.

Email: webmaster@citizensfederalsl.com

"Electronic mail is not secure, and confidential or personal information should not be communicated in this manner"

























































































Privacy Policy | Notices, Terms, and Conditions
Browser Requirements | Design & Hosting by D+H
Copyright D+H All Rights Reserved.