Southern Heritage Bank is a division of
FIRST CITIZENS NATIONAL BANK
At First Citizens National Bank, we’ve created a business banking experience that’s energetic, positive and focused on getting results. Whether you need an equipment loan, merchant card services or a simple business checking account, we offer a deep bench of products designed to minimize your risk and maximize your cash flow. If you’re ready to get down to business, we’re your bank.
A personal relationship with my bank is so important. I can depend on First Citizens to get things done.
– First Citizens National Bank customer
For over 125 years at First Citizens National Bank, we've tackled recessions, cleared hurdles and created solutions; but no matter the decade, we have always desired to be the best community bank we can be. We are simply passionate about giving our customers an experience that is unbelievably good.