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First Citizens National Bank is a local community bank located on the northeast corner of Sawmill Parkway and Powell Road. First Citizens was founded the same year Abraham Lincoln was elected President, 1860. The Powell office opened its doors on July 26th, 2000. Since that time the office has continued to serve the community with its borrowing and depository needs.

First Citizens offers a full array of consumer loan products that include, home equity loans both fixed and variable rate, auto loans, fixed rate Visa program, and secured and unsecured personal loans. We also have a variety of home mortgage products that can be used for building a new home, purchasing a pre-existing home or refinancing your current home.

First Citizens can also take care of your depository needs. We offer competitively priced CD’s, savings & money market accounts, checking accounts and IRA accounts. For the businessperson we also offer Cash Management Services.

Other business products available include commercial real estate programs, which can be used for purchasing or refinancing, a very competitive equipment-financing program as well as operating loans. For retail merchants we can also supply you with a competitively priced merchant service program.

At First Citizens you will never be routed through a voice mail maze. When you call you will speak with a bank representative. We pride ourselves in our friendly customer service. You will never be charged a fee to speak with one of our representatives about your account. Our customers can access their account information through our virtual bank branch @ www.firstcitizensnational.com. You will be able to view your account activity, transfer funds or complete other banking needs at your convenience. You can also pay your bills electronically with our bill pay feature at a nominal cost. Stop in, meet our friendly staff and have a cup of coffee on us. We think you’ll be glad you did.