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Southern Heritage Bank is a division of FIRST CITIZENS NATIONAL BANK

Business Debit Card

This is the card every business owner needs to make purchases, track business expenses and manage finances.

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Our First Citizens National Bank Business Debit Card is accepted worldwide. It works like a card, but deducts purchases from your business account like a check.
  • Worldwide acceptance
  • Convenient record keeping
  • Safe and secure
  • Reward points available

Visa® Business Bonus Rewards Card

  • One point earned for every dollar charged
  • No annual fee

Visa® Business Bonus Rewards PLUS Card

  • One point earned for every dollar charged
  • 50% bonus on all points earned each month
  • $50 annual fee

Elan Visa® Business Company Card

  • Ideal for companies with annual net income greater than $350,000 who charge more than $50,000 per year
  • No annual fee

Elan Visa® One Card

  • One card manages all travel and purchasing
  • Online access for better control and flexible reporting
  • No annual 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