Cash Management Services

The First Citizens National Bank provides Corporations, Partnerships, Governmental and Not-For-Profit Organizations the ability to maximize earnings on the excess cash carried in checking accounts. First Citizens also offers Online Cash Management Services. These programs are as follows:

First Corporate Cash Management:  Corporations and Partnerships
The core of the Cash Management Services Package is the primary business demand deposit account. Excess funds at a pre-determined level are swept back and forth daily between the checking account and the First Corporate Investment Account. A market rate of interest is paid on the Investment Account.

Unlike many other banks, First Citizens does not “nickel and dime” clients with fees for activities in the account such as checks paid, items deposited, etc. Instead, a charge of $75 is assessed if the monthly minimum balance drops below the predetermined minimum. This charge is waived by maintaining the minimum balance. 


First Government Cash Management:  Government and Not for Profit Entities
A Cash Management Tiered Account provides enhanced interest earnings opportunities for excess cash held by governmental and not-for-profit entities. The Tiered Account pays a higher rate of interest on the primary interest bearing checking account when the balance exceeds a predetermined minimum. 

First Citizens does not charge fees for activities in the account such as checks paid, items deposited, etc. Instead, a charge of $75 is assessed if the monthly minimum balance in the primary checking account drops below the predetermined minimum. 

Banking Services included at no cost with all Cash Management Services:

• Items Deposited
• Checks Paid
• Wire Credits
• Returned Deposited Items
• ACH Credits
• ACH Debits
• Currency and Coin For Business
• Night Deposit Bags
• Notary Services
• Check Sorting
• Cashiers Checks

Please note that the minimum balance requirement, pricing schedule and interest rate are subject to periodic review and adjustment based on account usage and market conditions.


Online Cash Management Services

First Citizens interactive web site may be utilized to perform a variety of online transactions including:

• Account transfers
• Loan payments
• Wire transfers
• ACH transactions
• Tax payments

Click here to preview the site: ONLINE CASH MANAGEMENT