Established in 1863, The First Citizens National Bank offers various financial solutions. It provides freedom, classic and economy checking and statement and money market savings accounts. The bank also offers certificates of deposit and individual retirement accounts. Its lending plans include real estate, student, home equity and installment loans. The bank s other services include pre-authorized transfers, overdraft protection, and electronic and telephone banking. The First Citizens National Bank additionally offers account reconciliation, cash advance, check sorting, coupon redemption, signature guarantee and utility payment services. The bank provides corporations, partnerships, and government and nonprofit organizations the ability to maximize earnings on the excess cash carried in checking accounts. It also offers credit card transaction processing services, including transaction authorization, processing and settlement, as well as provides annuities, mutual funds, stocks and bonds through Financial Network Investment Corporation.