Southern Heritage Bank is a division of
FIRST CITIZENS NATIONAL BANK
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.
Added cushion to keep you in the black
Get money anytime, anywhere and absolutely free
Bank by phone 24/7 731.286.5064
Shop for rewards to redeem with your points
Place your order for new checks online
Missing your payment card? We’re here to help.
Calculate payments, estimate savings and much more.
Security and convenience for life’s important things
Detect fraud early and minimize damage.
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.