• VISA Credit Card

    VISA Credit Card

    Our industry leading business credit card products offer competitive pricing combined with a full range of reward options.

    • Competitive rates
    • Sure to meet your business needs
    • Reward options

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  • Merchant Card Services

    Merchant Card Services

    Customers appreciate the convenience of paying with a credit or debit card resulting in increased sales.

    • Maximize sales
    • Stay competitive
    • Quicker availability of funds

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  • Checking Account Sweep

    Checking Account Sweep

    Make your idle cash more productive by having it "swept" daily into an investment account.

    • Increase earnings
    • Detailed statement
    • Money transferred automatically

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  • Bank-by-Phone

    Bank-by-Phone

    Bank when it's convenient for you. With 24-hour Bank-by-Phone, you can do your banking anytime.

    • Secret PIN required
    • Transfer funds
    • Obtain loan and deposit rates

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  • Business Advantage Debit Card

    Business Advantage Debit Card

    Access your account when and where it is convenient for you -- plus a whole lot more.

    • Accepted everywhere
    • Use as credit card or ATM card
    • Funds debited from account

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  • Check Images on CD

    Check Images on CD

    Make reviewing paid checks a thing of the past. Have your check images scanned and transferred to CD.

    • Easy to stay organized
    • Highly secure
    • Saves storage space

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  • Lock Box

    Lock Box

    Expedite the collection of customer payments to maximize cash flow and reduce operating expenses.

    • Improve availability of funds
    • Reduce expenses
    • Daily electronic files provided

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  • Positive Pay

    Positive Pay

    To avoid fraud within your account, we pay only the checks you've authorized in advance.

    • Avoid counterfeit checks drawn on your account
    • Avoid the need for frequent account reconcilement
    • Highly secure

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  • Re$ubmitIt

    Re$ubmitIt

    First Citizens National Bank's Electronic check recovery service

    • Double your recovery rate
    • Collect more returned checks
    • Get 100% of the face value of all checks that are collected electronically

    Learn More

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Notice of Changes in Temporary FDIC Insurance for Transaction Accounts