Online Banking Access

Visa Debit Card

Have you been seeing "NO PERSONAL CHECK ACCEPTED" at many of the merchants where you shop? Your solution to this dilemma is a First Citizens National Bank VISA DEBIT CARD! This card is accepted anywhere you see the VISA Logo! Cash is available from any ATM worldwide. Our VISA DEBIT CARD offers you:

  • Comfort of knowing it is accepted worldwide
  • Ease of knowing all transactions are recorded and provided to you in a monthly statement
  • Safety and security with protection against fraudulent purchases or lost card(s)
  • No annual fees
  • REWARD POINTS for every qualified transaction! Check your points now at  (Points will accumulate quarterly.)
  • We can issue a debit card in minutes!  No more inconvenience of waiting to receive your new debit card by mail. 

To order a card, contact any Customer Service Representative by calling 800-321-3176, 731-285-4410 or 901-837-3385 or stop by any of our convenient locations.

Report a Lost or Stolen Visa Debit Card

Activate your Visa Debit Card with Verified by Visa

First Citizens National Bank customers have the opportunity to use any SUM-designated ATM without incurring a fee! Please visit to find a location. There is also a SUM ATM Locator app available for download to any smart phone.

First Citizens National Bank is also a member of the surcharge free network Money Tower. Visit to locate a Money Tower location.