The Bankers Dozen Program is a comprehensive banking package that provides financial benefits for you as well as for your employees.  Request more information here.

1. Personal Free ³Checking² Account  is our most popular, full-service checking account. No minimum opening deposit with direct deposit, no minimum balance, no monthly service charge, and checks are held in safekeeping for your convenience.¹   FDIC INSURED

2. Free standard FCNB exclusive checks (wallet or duplicate). FDIC INSURED

3. Overdraft Privilege Service²  means that we will consider, without obligation on our part, payment of your reasonable overdrafts, as long as you maintain your account in good standing.  FDIC INSURED

4. Direct deposit of your payroll check. Simplify your life by eliminating
   trips to the bank to make those deposits.  FDIC INSURED

5. Checkmate Debit Card³ (it¹s an ATM card that works like a check) or ATM Card ($1 monthly fee). Member of the Privileged Status Network.

6. First Citizens Online Allows you to access your accounts and make
   transfers anytime you want via the Internet ­ 24/7. It¹s easy and convenient.

7. Bill Pay Express Service With First Citizens Bill Pay Express, you can
   pay your bills when you want to­day or night. Two months at no charge.⁴

8. Easy Access Line 24-hour telephone banking that provides you with easy access to your account information. All you need is a touch-tone phone to do your banking.

9. Receive a .25% discount on consumer loan interest rates. Loans for all of your needs.⁵  FDIC INSURED

10. First year free on a 3x5 safe deposit box or a discount on a size of your choice.⁶

11. Free Traveler¹s Checks No charge for standard U.S. travelers checks.⁶

12. Free personal money orders. Limit of 5 per month.

13. *Free investment consultation for retirement, education, or overall financial planning with one of our professional investment representatives.⁷

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^*First Citizens Trust Company, N.A. is a subsidiary of First Citizens National Bank.  Securities provided by First Citizens Trust Company are not deposits of the bank, are not deposits of the bank, are not FDIC insured, have no financial institution guarantee, and may lose value.