Southern Heritage Bank is a Division of
FIRST CITIZENS NATIONAL BANK
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.
Deducts card purchases directly from your account
Get exclusive rewards and benefits
Choose the card that’s right for you
Earn points for merchandise or services
We’re here to help 24/7
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.