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Southern Heritage Bank is a division of FIRST CITIZENS NATIONAL BANK

Christmas Club Savings

If you love the holidays as much as we do, you’ll love this account. Save all year so you can celebrate in style.

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The Christmas Club Savings account is perfect for people who love to plan and save for special holiday expenses.
  • Earns variable interest rates
  • No opening balance required
  • Weekly deductions from your First Citizens checking account
  • Automatically renews for the next year
  • 24-hour access to First Connection telephone banking 731.286.5064 or 1.800.381.3262
  • Requires automatic transfer weekly from a First Citizens checking account
  • Minimum transfer of $5
  • Account automatically renews
  • Early withdrawal penalty if the account is closed before the end of the club year and after the 30-day grace period.

What our
customers say

I highly, highly recommend First Citizens. The service is just that GOOD.

– First Citizens National Bank customer