Online Banking Access

Privacy & Security

At First Citizens National Bank we are committed to helping customers protect their financial information from fraud and identity theft. The following information and links to various internet information sites should assist your efforts to protect your financial privacy.


Protecting your privacy is important to First Citizens National Bank and our employees. The following policy and pledge serves as a standard for all First Citizens National Bank employees for collection, use, retention and security of nonpublic personal information.

For Your Protection

Learn how to keep yourself safe on the Internet.

Privacy Policy


Why? Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.
What? The types of personal information we collect and share depend on the product or service you have with us. This information can include:
  • Social Security number and income
  • Transaction history and assets
  • Credit history and credit scores

When you are no longer our customer, we continue to share your information as described in this notice.

How? All Financial companies need to share customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information; the reasons First Citizens National Bank chooses to share; and whether you can limit this sharing.


Reasons we can share your personal information Does First Citizens National Bank Share? Can you limit this sharing?
For our everyday business purposes -
such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus
Yes No
For our marketing purposes –
to offer our products and services to you
Yes No
For joint marketing with other financial companies Yes No
For our affiliates’ everyday business purposes –
information about your transactions and experiences
Yes No
For our affiliates’ everyday business purposes –
information about your creditworthiness
Yes Yes
For our affiliates to market to you Yes Yes
For our nonaffiliates to market to you No We Don't Share
To limit our sharing
  • Call 800-321-3176 - our menu will prompt you through your choice(s)
  • Visit us online:

    Please note: If you are a new customer, we can begin sharing your information 30days from the date we sent this notice. When you are no longer our customer, we continue to share your information as described in this notice. However, you can contact us at any time to limit our sharing. >

Questions Call 800-321-3176 or stop into any branch.


Who we are
Who is providing this notice? First Citizens National Bank
What we do
How does First Citizens National Bank protect my personal information?

To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.

We restrict access to your personal information to only those employees who need to know. We require all companies with whom we share your information to keep it confidential.

How does First Citizens National Bank collect my personal information? We collect your personal information, for example, when you
  • Open an account or deposit money
  • Apply for a loan or use your credit or debit card
  • Provide employment information

We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.

Why can’t I limit all sharing? Federal law gives you the right to limit only
  • Sharing for affiliates’ everyday business purposes - information about your creditworthiness
  • Affiliates from using your information to market to you
  • Sharing for nonaffiliates to market to you

State laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law.

What happens when I limit sharing for an account I hold jointly with someone else? Your choices will apply to everyone on your account — unless you tell us otherwise.

Companies related by common ownership or control. They can be financial and nonfinancial companies.

  • Our affiliates include First Citizens Financial Plus, Inc. and White & Associates/First Citizens Insurance LLC.
Non-affiliates Companies not related by common ownership or control. They can be financial and nonfinancial companies.
  • First Citizens National Bank does not share with nonaffiliates so they can market to you.
Joint Marketing A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
  • Our joint marketing partners include companies that provide credit cards, life insurance, and identity theft protection.

Do Not Call Policy

You can choose not to receive marketing offers from First Citizens National Bank by telephone, fax and/or email. This applies to offers from us about our products and services, and about products we think may be of interest to you. If you prefer not to receive direct marketing information you may opt out of this service by contacting us using one of the contact methods shown at the end of this disclosure.

If you elect not to receive product information by telephone, fax and/or email, First Citizens National Bank will continue to contact you:

  • As necessary to service your account
  • Be contacted by your assigned account representative, if applicable
  • Receive marketing information included with your regular account mailings and statements and when you visit us online or at an ATM

Methods Of Contacting The Bank

By Telephone: 800-321-3176, 731-285-4410 or 901-837-3385
On the Web:
By Mail: First Citizens National Bank
P.O. Box 370
Dyersburg, TN 38025-0370

 First Citizens National Bank Disclosures