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Southern Heritage Bank is a division of FIRST CITIZENS NATIONAL BANK

Defined Benefit Pension Plans


Defined Benefit Pension Plans offer a retirement income to employees of any age.      

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Defined Benefit Pension Plans provide a specific monthly benefit at retirement that is based on a pre-defined formula, rather than depending on investment performance of the account.
  • Provides retirement income to employees of all ages
  • Maximizes benefit for older employees
  • Tax-deferred savings for employees
    Annual contribution limits may apply
  • $5 monthly fee if average balance is below $7,500
  • $4.99 monthly fee for online banking
  • $9.99 monthly fee for online banking with bill pay
  • Small fee of $.10 per item for each debit over 100
  • Balance requirement fee and per item fee for debits paid are waived for non-profit organizations

What our
customers say

You’re a person here, not a number. The people here know who you are when you walk in the door and treat you like family.

– First Citizens National Bank customer