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Southern Heritage Bank is a division of FIRST CITIZENS NATIONAL BANK

Account Analysis with Interest

Unlimited transactions for businesses with high-volume accounts.

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The Account Analysis with Interest account is for businesses that make many transactions. Credit for compensating balances is used to offset monthly transaction fees.
  • Available to sole proprietorships, public funds and non-profit organizations
  • Unlimited transactions
  • Interest earned on daily collected balance
  • Credit allowance on daily collected balance used to offset transaction fees
  • Online banking and online banking with bill pay are available
  • 24-hour access to First Connection telephone banking 731.286.5064 or 1.800.381.3262
  • Monthly statements with check images (paper or electronic)
  • Interest earned on daily collected balance
  • Variable interest rate
  • Minimum opening deposit of $1,000
  • Monthly fees determined by transaction volume

What our
customers say

A personal relationship with my bank is so important. I can depend on First Citizens to get things done.

– First Citizens National Bank customer