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FAQ

General

Why should I be a First Citizens National Bank Customer for Life?

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 as a leader in development and revitalization of our communities as we have done for the past 150 years.

We have a long and stable history. Founded in 1860, First Citizens National Bank survived and thrived through many financial storms including the Great Depression. We are the 5th oldest, locally owned, nationally chartered bank remaining in the United States. We have maintained a 5-Star Bauer rating of safety and soundness and have one of the highest capital ratios of any Ohio bank.

What kind of checking account is best for me?

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.

What kind of savings account is best for me?

The type of savings account you choose depends on the goals you want to achieve 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.

What are the minimum balances for checking and savings accounts?

You can find minimum balance requirements on all our account pages. View our personal checking accounts, personal savings accounts, business checking accounts, or business savings accounts.

What should I look for when I shop for Certificates of Deposit?

There are two main things to consider when shopping for CDs: the interest rate and the length of the term. If you're comfortable securing your funds for a longer period of time, you can earn a better interest rate! Contact us for details on CD rates and terms.

Can I get my statements through electronic mail?

Yes, visit our eStatements page for more information.

Does the bank offer credit, debit, and ATM cards?

Yes, we offer personal credit cards and personal debit/ATM cards, as well as business credit cards and business debit/ATM cards.

How can I make a credit card payment?

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. You will have to set up an account with this website.

Where are your branch and ATM locations?

Visit our Locations & Hours page for a list of our branch and ATM locations and hours of operation.

How can the bank help me manage my finances?

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 they are eager to make the right match for you. Contact a Customer Service Representative.

How much money do I have to have to use your "Investment Services?"

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.

Loans

How long does it take to get a loan approved?

We want to make the loan approval process quick and painless. A simple installment loan can be approved in as little as 30 minutes. It helps if you have a continuing relationship with the bank and have gathered needed information for the application.

You can get the application process started online! Choose your personal loan.

How can I start the process of getting a home mortgage loan?

Visit the Home Mortgage Loans page for our application checklist. Then you can either start the application online or contact one of our Lenders to setup an appointment.

How can I start the process of getting a car loan?

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. They can give you a good idea of what can be loaned to you on certain makes and models.

Do you offer student loans?

Our bank 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. Contact one of our Lenders for information on other financing options.

Can I fill out a loan application form before I come to the bank?

Download our Consumer Loan Application to save time at the bank.

Mortgage loan applications are more detailed and we recommend you review the checklist of required information. Our Lender will help you fill out the form for you when you come into the bank. Contact us to schedule an appointment.

Online Banking

What can I do with FCNB Online Banking?

Online Banking gives you the ability to:

  • Enroll and use the eStatement program to eliminate paper statements
  • View account balances on deposit and loan accounts
  • View transactions
  • Transfer funds between accounts including a loan payment
  • View Statements
  • View images of checks
  • Request stop payments
  • Export history of transactions to spreadsheet software

Is the information in Online Banking "real-time?"

Deposits and withdrawals made with our tellers at any branch will normally be immediately visible in Online Banking. Debit card transactions will be visible the same or the next business day.

What do I need to use Online Banking?

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.

Is it hard to learn? Do I need a training course to use it?

The FCNB Online Banking system is designed using web application standards. If you are accustomed to using web applications, you can learn it on your own in a short time. If you need help, call the bank and we will walk you through it.

Is it secure?

See our Security Statement. 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.

What do I have to do to get started?

Find steps to get started on our Online Banking & Bill Pay page.

When I enroll, what do I agree to?

View our Online Banking Agreement and Disclosure to read 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.

Where can I get help?

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

What can I do with FCNB Online Bill Pay?

Online Bill Pay by CheckFree gives you the ability to:

  • Setup and track payments
  • Choose the date a payment will be made
  • Setup reminders for regular payments
  • Setup automatic payments for a set day each month
  • Avoid check and postage fees

What do I need to use Online Bill Pay?

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.

Is it hard to learn? Do I need a training course to use it?

If you are accustomed to using web applications, you can learn it on your own in a short time. 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. However, the bank cannot provide detailed professional advice, instructions, or physical assistance in setting up your personal computer or connecting it to the Internet.

Is it secure?

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.

What do I have to do to get started?

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.

How and when are my payments made?

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.

When I enroll, what do I agree to?

View the Terms and Conditions to read your obligations as a user. The Terms & Conditions are also available in Online Banking.

More Questions?

FCNB will gladly accept calls to help you with any questions you have. (419-294-2351, toll-free 888-378-1860 - Option "0")

Mycardstatement.com

What can I do with Mycardstatement.com?

This website gives you the ability to:

  • Check your FCNB VISA® card balance
  • View transactions and past statements
  • Setup bill payments using your VISA® card
  • Setup alerts on your account that will be sent to your email or phone

What do I need to use Mycardstatement.com?

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.

Is it hard to learn? Do I need a training course to use it?

If you are accustomed to using web applications, you can learn it on your own in a short time. 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). However, the bank cannot provide detailed professional advice, instructions, or physical assistance in setting up your personal computer or connecting it to the Internet.

Is it secure?

See the Security and Privacy Statement link in the Mycardstatement.com site. 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.

What do I have to do to get started?

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.

When I enroll, what do I agree to?

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

What can I do with Telephone Banking?

Telephone Banking gives you the ability to:

  • Hear account balances
  • Hear recent transactions
  • Transfer funds between accounts including a loan payment

What do I need to use Telephone Banking?

A phone and a Bank supplied PIN is necessary. You may change your PIN number using the system. The phone number is toll free – 888-378-1860.

Is it hard to learn? Do I need a training course to use it?

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").

Is it secure?

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 number.

What do I have to do to get started?

Stop by the bank to fill in a request form and the PIN will be mailed to you in 2-3 working days.