We promise to provide an extraordinary, welcoming, friendly banking experience. We celebrate customer and Bank achievements. We will never compromise our integrity as we create a fortress bank for the safety and soundness of our customers and stakeholders. We will continue to be a leader in development and revitalization of our communities as we have done for more than 160 years .
Our history is long and stable. Founded in 1860, First Citizens National Bank survived and thrived through many financial storms including the Great Depression. We are the fifth oldest, locally owned, nationally chartered bank remaining in the United States. We have maintained a 5-Star Bauer rating of safety and soundness.
We offer a variety of personal checking accounts, each with unique features and benefits. Take a moment to compare our personal checking accounts.
We also offer two business checking accounts: a convenient account for businesses of all sizes and an interest-bearing account for nonprofits and sole proprietors.
The type of savings account you choose depends on your goals and how comfortably you can set money aside — without dipping back into your savings.
We offer a variety of savings accounts to accommodate your needs. Whether you want to build your kid’s college fund, enjoy enhanced liquidity, or simply save for a rainy day, we have an account for you. Compare our savings accounts to find the one that’s right for you.
You can find minimum balance requirements on each of our account pages. View our personal checking accounts, personal savings accounts, business checking accounts, or business savings accounts.
There are two main things to consider when shopping for CDs: the interest rate and the term length. If you’re comfortable securing your funds for a longer period, you can earn a better interest rate! Contact us for details on CD rates and terms.
Yes, visit our eStatements page for more information.
Yes, we offer personal credit cards and personal debit/ATM cards, as well as business credit cards and business debit/ATM cards.
You may use Mycardstatement.com to monitor your Visa® accounts, pay bills through Visa®, and pay your Visa® bill with an electronic withdrawal from your checking account. Set up an account with MyCardStatement.com to get started.
Visit our Locations & Hours page for a list of our branch and ATM locations and hours of operation.
Our customer service representatives welcome your call or visit to learn more about your financial situation. We have designed our financial products to fit a variety of needs and our customer service representatives are eager to make the right match for you. Contact a Customer Service Representative to get started.
The amount of money is not as important as the commitment to build an investment plan with regular contributions. Contact our Investment Services Group for more information.
We want to make the loan approval process quick and painless. A simple installment loan can be approved in as little as 30 minutes. The process becomes smoother if you have a continuing relationship with the bank and if you have gathered the required information for the application.
Start the application process online! Select the type of Personal Loan you’re interested in applying for.
Visit the Home Mortgage Loans page to review our application checklist. Then either start the application online or contact one of our Lenders to set up an appointment.
You can start the application process online or contact one of our Lenders to setup an appointment. It is best to talk to our Lenders before you shop for a car. The lender can provide guidance and information as to the amount of financing available for certain makes and models. All loans are subject to credit approval.
First Citizens does not offer government-sponsored student loans. The student aid office of the intended college is likely the best source of information for such loans as well as nelnet.com. For information on other financing options, contact one of our Lenders.
Download our Consumer Loan Application to save time at the bank.
Mortgage loan applications are more detailed and we recommend you review our checklist of required information before getting started. One of our expert lenders will help you fill out the form when you come into the bank. Contact us to schedule an appointment.
Online Banking gives you the ability to:
Deposits and withdrawals made with our tellers at any branch will be immediately visible in Online Banking under normal circumstances. Debit card transactions will be visible the same or the next business day.
A personal computer (PC) with an Internet connection is necessary. Online Banking works well on most of today’s browsers and must support 128-bit SSL encryption. If your browser does not support these encryption levels, you will need to update it.
The FCNB Online Banking system is designed to be easy to use. If you are accustomed to using other internet-based platforms, you will be able to learn it fairly quickly. If you need help, call the bank and we will be happy to walk you through it.
In many ways, using Online Banking is more secure than using regular mail. However, protection of your personal computer from misuse or intrusion is the customer’s responsibility. It is the customer’s responsibility to guard their password. For additional information, please review our Security Statement.
Getting started is simple. Review our guide on our Online Banking & Bill Pay page.
View our Online Banking Agreement and Disclosure to review your obligations as a user of Online Banking. You will see this agreement again before you use the system for the first time. When you register and first start using Online Banking, you are legally accepting this agreement without physically signing any paper contract.
FCNB will gladly accept calls to help you use the functions of the Online Banking system (419-294-2351, toll-free 888-378-1860 – Option “0”). However, the bank cannot provide detailed professional advice, instructions, or physical assistance in setting up your personal computer or connecting it to the Internet.
Online Bill Pay by CheckFree gives you the ability to:
A personal computer (PC) with an Internet connection is necessary. Online Banking works well on most of today’s browsers and must support 128-bit SSL encryption. If your browser does not support these encryption levels, you will need to update it.
If you are accustomed to using other internet-based platforms, you will be able to learn it fairly quickly. If you need help, call the bank (419-294-2351, toll-free 888-378-1860 – Option “0”) and we will walk you through it, or use the CheckFree support line – 800-268-5652. Please note, the bank cannot provide detailed professional advice, instructions, or physical assistance in setting up your personal computer or connecting it to the Internet.
See the Security and Privacy Statement for more information. CheckFree has pro-active monitoring of your account for suspicious activity. In many ways, using Online Bill Pay is more secure than using regular mail. However, protection of your personal computer from misuse or intrusion is the customer’s responsibility.
Bill Pay is accessed through the online banking system. Follow the instructions to sign up for Online Banking and click on the bill pay button once signed in.
Payments will be deducted from the account you indicate either through a direct electronic funds payment (ACH) or through an intermediate check that is mailed to the payee by CheckFree. The choice of payment method depends on the relationship of the payee with the CheckFree Company and sometimes changes depending on the amount.
Note: A direct electronic funds payment will be deducted from your account on the date you choose. However, a check issued on your behalf by CheckFree will be dated by your choice but deducted from your account when cashed by the payee.
View the Terms and Conditions to read your obligations as a user. The Terms & Conditions are also available in Online Banking.
FCNB will gladly accept calls to help you with any questions you have. (419-294-2351, toll-free 888-378-1860 – Option “0“)
This website gives you the ability to:
A personal computer (PC) with an Internet connection is necessary. Online Banking works well on most of today’s browsers and must support 128-bit SSL encryption. If your browser does not support these encryption levels, you will need to update it.
If you are accustomed to using other internet-based platforms, you will be able to learn it fairly quickly. If you need help, call the bank (419-294-2351, toll-free 888-378-1860 – Option “0”) and we will walk you through it. You can also call the Mycardstatement.com support line (866-604-0380). Please note, the bank cannot provide detailed professional advice, instructions, or physical assistance in setting up your personal computer or connecting it to the Internet.
The website uses a multi-factor authentication system similar to that used in Online Banking. In many ways, using Mycardstatement.com is more secure than using regular mail. However, protection of your personal computer from misuse or intrusion is the customer’s responsibility. This is a highly functional website for your credit card account and therefore, your access password should be carefully controlled. You may review the Security and Privacy Statement link on the Mycardstatement.com site.
Go to the Mycardstatement.com website and choose the “Enroll Here” option. The website will require you to enter your credit card number and other personal information during the registration process.
Payments will be deducted from the account you indicate either through a direct electronic funds payment (ACH) or through an intermediate check that is mailed to the payee by CheckFree. The choice of payment method depends on the relationship of the payee with the CheckFree Company and sometimes changes depending on the amount.
Note: A direct electronic funds payment will be deducted from your account on the date you choose. However, a check issued on your behalf by CheckFree will be dated by your choice, but deducted from your account when cashed by the payee.
Be sure to review the “Terms of Use” during the registration process. You must start the enrollment to see and agree to the Terms of Use.
Telephone Banking gives you the ability to:
A phone and a Bank-supplied PIN is necessary. You may change your PIN number using the Telephone Banking system. The phone number is toll free – 888-378-1860.
The Telephone Banking system prompts you to select options via the phone number pad and is similar to other phone inquiry systems. If you have questions, call the bank (419-294-2351, toll-free 888-378-1860 – Option “0“).
In many ways, using Telephone Banking is more secure than using regular mail, or Online Banking. However, protection of your phone from misuse or intrusion is the customer’s responsibility. The customer is responsible for guarding their PIN.
Stop by the bank to fill in a request form and the PIN will be mailed to you in 2-3 working days.
NMLS ID # 510053
Copyright © 2022 The First Citizens National Bank of Upper Sandusky.
