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Southern Heritage Bank is a division of
FIRST CITIZENS NATIONAL BANK

Additional Services

When you’re unbelievably good, you know that just giving your customers the basics isn’t enough. We happily provide these extra services to make sure your banking experience leaves you smiling.

Overdraft Protection

Overdraft Protection

Added cushion to keep you in the black

Free ATMs

Free ATMs

Get money anytime, anywhere and absolutely free

First Connection Telephone Banking

First Connection Telephone Banking

Bank by phone 24/7 731.286.5064

Redeem Rewards Points

Redeem Rewards Points

Shop for rewards to redeem with your points

Reorder Checks

Reorder Checks

Place your order for new checks online

Report a Lost or Stolen Card

Report a Lost or Stolen Card

Missing your payment card? We’re here to help.

Financial Calculators

Financial Calculators

Calculate payments, estimate savings and much more.

Safe Deposit Boxes

Safe Deposit Boxes

Security and convenience for life’s important things

ID Theft Protection

ID Theft Protection

Detect fraud early and minimize damage.

What our
customers say

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

– First Citizens National Bank customer