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Our Contingency Plan
Question 1: What is a contingency plan?
A contingency plan is a plan developed by and for First Citizens National Bank to use if a disaster of any kind should make one or more of its offices unable to conduct business in a normal way. First Citizens will make every effort to keep all locations open unless the nature of the emergency causes unsafe conditions.
Question 2: What should I do if a First Citizens National Bank location is closed due to a disaster?
If services are not available at your branch, go to the bank's directory to find an alternate office to complete your banking transactions with First Citizens National Bank.
Question 3: If a disaster occurs at a First Citizens National Bank location, are my deposits safe?
All types of deposits received by First Citizens National Bank in its usual course of business are insured up to FDIC insurance guidelines. For example, savings deposits, checking deposits, deposits in NOW accounts, and time deposits (including certificates of deposit, which are sometimes called "CDs") are all insured deposits. Cashiers' checks, officers' checks, expense checks, loan disbursement checks, interest checks, outstanding drafts, negotiable instruments and money orders drawn on the institution also are insured. Collectively, these types of instruments are referred to as "official checks." Certified checks and letters of credit, for which an insured depository institution is primarily liable, also are insured when issued in exchange for money or its equivalent, or for a charge against a deposit account.
For additional information about FDIC insurance, go to http:/www.fdic.gov.
Question 4: I have a safe deposit box at the location that has experienced a disaster. What do I do to access my safe deposit box contents?
We will inform you as soon as possible when it is safe to access the contents of the safe deposit boxes at the affected location by posting that information on the bank's website. There will be a notice posted on the door of the affected office.
You may also send an email to us for information. We will make every effort to reply to you in a timely manner.
Question 5: If I cannot get to the alternative office, how can I complete my banking transactions?
You may use several methods to complete any banking transaction with First Citizens National Bank. You may use Online Banking, the Easy Access Line, ATMs, or go to an alternate office.
First Citizens National Bank has a link to its Online Banking system on the bank's website. In order to use these alternatives, your account must be set up prior to use. To do this, contact a personal banker at any First Citizens National Bank location. You can use Online Banking to do account inquires, make transfers between accounts, and make loan payments.
Easy Access Line
You can use the Easy Access Line to make account inquires, make transfers, and make payments. The Easy Access Line phone number is 1-888-FCNB-999.
You may also use a convenient ATM near you. ATMs can be used to make deposits, withdrawals, transfers and to make account inquires. First Citizens National Bank's ATMs are at the following locations:
Charles City, IA
- Buy-Low at 1200 N. Grand Avenue
- First Citizens National Bank at 300 North Main Street -- 24 hours
- Theisen's at 803 Kelly Street
- First Citizens National Bank Drive-up office at 1123 Central Avenue East -- 24 hours
- Super Valu at 325 Central Avenue West
- Wright Medical Center at 1316 South Main Street
- First Citizens National Bank at 119 North Akir Street -- 24 hours
Mason City, IA
- Fareway at 400 Delaware Avenue North
- Hy-Vee East at 551 South Illinois -- 24 hours
- Hy-Vee West at 2400 4th Street Southwest -- 24 hours
- First Citizens National Bank State Street office at 33 East State Street -- 24 hours
- First Citizens National Bank West office at 2601 4th Street Southwest -- 24 hours
- North Iowa Mercy Health Center East Campus at 1000 4th Street Southwest -- 24 hours
- North Iowa Mercy Health Center West Campus at 910 North Eisenhower Avenue
- First Citizens National Bank at 501 Main Street -- 24 hours
Question 6: What are some additional phone numbers I may need in the event of a disaster in my town?
Police Departments - In an emergency, dial 911
- Sheriff - Non-Emergency Calls 641-394-3121
- Police - Non-Emergency Calls 641- 228-3366
- Sheriff's Office - Non-Emergency Calls 515-532-3722
- Police Department - Non-Emergency Calls 1-641-762-3272
- Sheriff 641-456-2731
- Police Department - Non-Emergency Calls 641- 421-3636
- Police Department - Non-Emergency Calls 641-394-3603
- Police Department - Non-Emergency Calls 641-732-3777
Fire Departments - In an emergency, dial 911
- Fire Department - Non-Emergency Calls 641-364-2975
- Fire Department - Non-Emergency Calls 641- 257-6313
- Fire Department - Non-Emergency Calls 515-532-2848
- Fire Department - Dial 911
- Fire Department 641-579-6118
- Fire Department Headquarters - Non-Emergency Calls 641- 421-3640
- Fire Department - Non-Emergency Calls 641-394-4144
- Fire Department - Non-Emergency Calls 641-732-5831
- Mercy Medical Center 641-472-4121
- Floyd County Memorial Hospital 641- 228-6830
- Wright Medical Center 515-532-2811
- Hancock County Memorial Hospital 641-843-5000
- Franklin General Hospital 641-456-5000
- North Iowa Mercy Medical Center 641- 428-7000
- Mercy Medical Center - New Hampton 641-394-4121
- Mitchell County Regional Health Center 641-732-6000
Chickasaw Public Health Nurse 641-394-4053
- Floyd County Board of Health 641-257-6145
Wright County Public Health Nurse 515-532-3461
Hancock County Memorial Hospital 641-843-5000
Franklin County Board of Health 641-456-5820
Cerro Gordo Public Health Department 888-264-2581
- Chickasaw Public Health Nurse 641-394-4053
Mitchell County Department of Health 641-732-6150
Red Cross of North Iowa 641-424-2454