
Valerie Jones
Vice President, Business Cash Management
Citizens National Bank - Main Office
303 N. Main Street, Cheboygan, MI 49721
231-627-8318
231-445-2650
Val Jones has been a dedicated member of the CNB team since 2011. With experience in retail banking, internal auditing, and now cash management, she brings a well-rounded perspective to serving business customers. A graduate of the Perry School of Banking, Val is committed to helping businesses streamline financial operations with solutions like merchant card services, payroll processing, electronic vendor payments and remote deposit capture. A lifelong Cheboygan resident, she serves on the Cheboygan Salvation Army Board and Finance Committee, and is an active member of Faith Baptist Church in Cheboygan. Her local knowledge and expertise ensure businesses receive the banking support they need to thrive.

Adam Cushman
Cash Management Officer
Petoskey
324 Michigan St., Petoskey, MI 49770
231-238-2407
231-675-0720
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.