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Southern Heritage Bank is a division of FIRST CITIZENS NATIONAL BANK

Business Checking

Small business with not-so-many transactions? This account is the one for you.

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The Business Checking account is for smaller businesses with low transaction volume.
  • Available to sole proprietorships, partnerships, small corporations, LLCs and non-profit organizations
  • Online banking and online banking with bill pay are available
  • Unlimited transactions with the Business Debit Card
  • Up to 100 debit transactions free of charge
  • 24-hour access to First Connection telephone banking 731.286.5064 or 1.800.381.3262
  • Monthly statements with check images (paper or electronic)
  • Minimum opening deposit of $100
  • $10 monthly fee if average daily balance is below $2,500
  • $4.99 monthly fee for online banking
  • $9.99 monthly fee for online banking with bill pay
  • Small fee of $.20 per item for each debit over 100
  • Balance requirement fee and per item fee for debits paid are waived for non-profit organizations

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