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Southern Heritage Bank is a division of
FIRST CITIZENS NATIONAL BANK

Checking

At First Citizens National Bank, our checking accounts are the foundation of a beautiful banking relationship. As such, these products match our attitude. Flexible. Accommodating. Exceptionally easy.

e-Solutions Plus Checking

e-Solutions Plus Checking

Exclusively for online banking and earns interest

Wall Street Checking

Wall Street Checking

High interest and unlimited check-writing

Dogwood Checking

Dogwood Checking

Premier checking with loads of features and benefits

Basic Checking

Basic Checking

No minimum balance required

Regular Checking

Regular Checking

Easy, “no frills” checking

Now Checking

Now Checking

Earns interest and allows unlimited check-writing

First Rate Checking

First Rate Checking

Market interest rates with transaction limits

Compare Accounts

Quickly and easily find the features and benefits that best meet your needs.

What our
customers say

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

– First Citizens National Bank customer