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Southern Heritage Bank is a division of FIRST CITIZENS NATIONAL BANK

Debit Card

A debit card automatically deducts from your account like a check but it’s accepted everywhere, like a credit card. Best of both worlds! 

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Our First Citizens National Bank debit card is accepted worldwide. It works like a card, but deducts purchases from your account like a check.

Your Secure Code makes it easy to make safe purchases when you shop online. It provides two-way authentication, telling the retailer that you’re the one making the purchase, and telling the bank that you authorize payment. When you checkout online, a window opens and asks you for your Secure Code. Enter it, and you’re done. Now you’re making safer purchases online.

Find about more about Secure Code in this FAQ.

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What our
customers say

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

– First Citizens National Bank customer