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Southern Heritage Bank is a division of FIRST CITIZENS NATIONAL BANK

Business First Rate Checking

The Business First Rate Checking account earns interest with rates that adjust with the market.

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Our Business First Rate Checking Account maximizes interest-earning potential for businesses that maintain a balance of $7500 or above.
  • Available to sole proprietorships, corporations, partnerships, LLCs, public funds and non-profit organizations
  • 24-hour access to First Connection telephone banking 731.286.5064 or 1.800.381.3262
  • Monthly statements with check images (paper or electronic)
  • Tiered interest rates for higher interest-earning potential
  • Variable interest rate
  • Minimum opening deposit of $7500
  • Limited to six withdrawals or transfers per statement cycle.
  • Must maintain $7500 daily balance to avoid $15 monthly fee.

What our
customers say

A personal relationship with my bank is so important. I can depend on First Citizens to get things done.

– First Citizens National Bank customer