Southern Heritage Bank is a division of
FIRST CITIZENS NATIONAL BANK
As you build your savings, you build financial security. And that is a very good thing. At First Citizens National Bank, our diverse savings products give you choices that meet your specific savings needs. Open one of each!
The basic account for beginning savers
Designed for minors (17 and younger)
A special account to help you save for the holidays
Earns market interest and FDIC insured
Set aside cash for health care expenses
A special network for CD investors
Individual Retirement Accounts for long-term savings
Quickly and easily find the features and benefits that best meet your needs.
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.