Access Accounts and Initiate Payments
Treasury Services Add-Ons
ACH Services, Wire Transfers, Positive Pay
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System Requirements. Business Online Banking is compatible with the following minimum browser requirements and recommended for desktop and tablet devices: Internet Explorer® 11 (on Windows® 7 64 bit or higher); Microsoft Edge™ 41+ (on Windows® 10 32 bit); Apple Safari® 11 (on Mac OXX 10.12 (Sierra) or higher); Google Chrome® 61+; Mozilla Firefox® 56+ (on Windows® 7 or higher). System Hours of Operation. System hours of operation are generally 24 hours a day, 7 days a week. Access may be off from time to time on Sundays between 2:00 am and 9:00 am for system updates and routine maintenance. Business Days. Business days are Monday through Friday excluding federal holidays. Cutoff Times (All Times Are Listed in Central Time Zone) Our daily cut-off time is close of business at any of our Branch locations; 4:00 P.M. at our Automated Teller Machines; 5:00 P.M. for Online Banking transactions; 5:00 P.M. for Mobile Banking transactions; 8:00 P.M. for First Connection transactions; and 6:00 P.M. for Commercial Capture Xpress transactions, 4:00 pm for ACH origination and 3:00 P.M. for in branch wire origination (3:00 PM for online wire origination). Items received after these times will be processed on the next business day. Account Access Information. You must identify accounts that you wish to transfer funds from and to. Transfers will occur the same business day if made prior to 5:00 pm central time. You will receive a monthly statement on demand deposit accounts or savings accounts receiving the pre-authorized transfers. Contact Us. Our Treasury Services Support Team is available to assist you with your business services each Business Day 7 A.M. - 5 P.M. Central. Call us at 731.288.4584 or toll free 877.809.4890 or email us at TreasurySvs@FirstCNB.com. Our Customer Service Department is available Monday - Friday 7:30 A.M. - 8 P.M. Central and Saturday from 8 A.M. - 1 P.M. Call at 731.285.4410 or 800.321.3176 Reporting Unauthorized Transactions. If you believe your access card has been lost or stolen; that someone has gained knowledge of your Secret Code; or if you believe a transfer has been made using information from your check without your permission, call: 731.285.4410 or toll free 800.321.3176 or write First Citizens National Bank, Customer Service Department, P.O. Box 370 Dyersburg, TN 38025-0370. Errors or Questions About Electronic Transfers. Call us at 731.285.4410 or 800.321.3176 or write First Citizens National Bank, Customer Service Department, P.O. Box 370, Dyersburg, TN 38025-0370 as soon as you can, if you think your statement or receipt is wrong or if you need more information about a transfer listed on your statement or receipt. We must hear from you no later than sixty (60) days after we sent the FIRST statement on which the problem or error appeared. Please furnish us with the following information: 1. Tell us your name and account number; 2. Describe the error or transfer you are unsure about, and explain why you believe there is an error or why you need more information: 3. Tell us the dollar amount of the suspected error. If you tell us orally, we may require that you send us your complaint or question in writing within ten (10) business days. We will determine whether an error occurred within 10 business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days (90 days for point of sale or foreign-initiated transfers) to investigate your complaint or question. If we decide to do this, we will credit your account within 10 business days for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within 10 business days, we may not credit your account. We will tell you the results within three business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation. Business Online Banking Service Agreement.