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Southern Heritage Bank is a Division of

Card Services

A big part of having an unbelievably good bank is making things unbelievably easy for our customers. First Citizens National Bank’s credit and debit cards give you flexible spending and convenience backed by the fantastic service you know and love from First Citizens.

Debit Card

Deducts card purchases directly from your account

My Rewards Premium Debit Cards

Get exclusive rewards and benefits

Credit Card

Choose the card that’s right for you

FCNB Rewards

Earn points for merchandise or services

Report a Lost or Stolen Card

We’re here to help 24/7

What our
customers say

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

– First Citizens National Bank customer