Joining is Easy!

Maintain a balance of $1,500 or more in any checking or savings account.* or

Maintain a balance of $15,000 or more in any certificate of deposit.*  or

Establish a real estate or home equity loan of $50,000 or more with automatic payments from your First Citizens National Bank checking or savings account.* or

Maintain a balance of $50,000 or more with First Citizens Trust & Investment Services.**

Request more information from your Heritage Club coordinator at First Citizens National Bank.

*Member FDIC

**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 FDIC insured, have no financial institution guarantee, and may lose value.