Southern Heritage Bank is a division of
FIRST CITIZENS NATIONAL BANK
At First Citizens National Bank, our checking accounts are the foundation of a beautiful banking relationship. As such, these products match our attitude. Flexible. Accommodating. Exceptionally easy.
Exclusively for online banking and earns interest
High interest and unlimited check-writing
Premier checking with loads of features and benefits
No minimum balance required
Easy, “no frills” checking
Earns interest and allows unlimited check-writing
Market interest rates with transaction limits
Quickly and easily find the features and benefits that best meet your needs.
I highly, highly recommend First Citizens. The service is just that GOOD.
– 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.