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Southern Heritage Bank is a Division of
FIRST CITIZENS NATIONAL BANK

Wall Street Checking

We call this account “Wall Street” because it gets down to business with high interest rates earned on larger balances.

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The Wall Street Checking account is for people who expect to earn higher interest rates in return for keeping a larger balance. It also features unlimited check-writing. Nice.
  • Earns tiered interest rates based on daily collected balances
  • Free online banking
  • Free online bill pay
  • Free mobile banking
  • Monthly statements with check images
  • Monthly eStatements available with online banking
  • Unlimited check writing
  • Unlimited debit card transactions
  • 24-hour access to First Connection telephone banking 731.286.5064 or 1.800.381.3262

 

  • Minimum opening deposit of $5,000
  • Earns interest if daily collected balance is $2,500 or more
  • Tiered rate structure for earning interest based on daily collected balances:
    • Tier 1:  $2,500 - $4,999.99
    • Tier 2:  $5,000 - $9,999.99
    • Tier 3:  $10,000 - $49,999.99
    • Tier 4:  $50,000 - $99,999.99
    • Tier 5:  $100,000 & Above
  • Monthly fee of $15 if average daily balance falls below $5,000

What our
customers say

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

– First Citizens National Bank customer