Good If You...

  • Manage a Variety of Accounts Including Checking, Savings and Loans
  • Want Real-Time Reporting of Account Balances and Transactions
  • Pay Bills or Vendors Online
  • Use Mobile Banking and/or Receive eStatement
  • Need to Download Transaction Data to Accounting Software

Business Online Banking Demo**

**Demo Site is NOT compatible with Internet Explorer browser. Demo Site is compatible with Google Chrome™, Microsoft Edge®, Mozilla Firefox®, and Safari.®



  • Real-Time Balance Information
  • Up to Eighteen Months of Past Transactions
  • Images of Checks and Deposit Slips
  • Recurring or One-Time Transfers or Loan Payments
  • Alert Notifications for Balance Changes
  • Downloads for Accounting Software
  • Enrollment Required for Mobile Banking or eStatement
  • Requires Company ID, User ID, and Password
  • Setup Single or Recurring Payments
  • Notifications When Payments Are Completed and/or Are Scheduled
Treasury Services Modules

Treasury Services Add-Ons

ACH Services, Wire Transfers, Positive Pay


Ready to Get Started?

Enroll OnlineEmail Treasury Services




1There are no bank charges for our apps. However, there may be charges associated with data usage on your phone. Check with your wireless phone carrier for more information.


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 A.M. CT and 9:00 A.M. CT for system updates and routine maintenance. (All Times here and indicated below are listed in Central Time Zone)

Business Days. Business days are Monday through Friday excluding federal holidays.

Cutoff Times Our daily cut-off time is close of business at any of our Branch locations; 4:00 P.M. CT at our Automated Teller Machines; 8:00 P.M CT. for First Connection transactions. 

Treasury Services Cutoff Times *Items received after these times will be processed on the next business day.*

  • 9:30AM CT - Check Positive Pay Decisions
  • 2:00PM CT - ACH Positive Pay Decisions
  • 2:30PM CT - Foreign Wire
  • 3:00PM CT - Business Bill Pay
  • 4:00PM CT - Wire and ACH Origination
  • 5:00PM CT - Mobile Deposit
  • 6:00PM CT - Commercial Capture Xpress transactions
  • 8:00 P.M. CT for Business Online Banking transactions and Business Mobile Banking transactions 

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 8:00 P.M. CT. 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 7:00 A.M. - 5:00 P.M. CT  Call us at 731.288.4584 or toll free 877.809.4890 or email us at

 Our Customer Service Department is available Monday - Friday 7:00 A.M. - 7:00 P.M. CT and Saturday from 8:00 A.M. - 1:00 P.M. CT. 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.

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


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Business Online Banking Service Agreement