Southern Heritage Bank is a division of
FIRST CITIZENS NATIONAL BANK
Retirement planning is important for both individuals and businesses. At First Citizens, we can help business owners establish a retirement plan that will increase employee retention and loyalty. We can also set up individual retirement plans for people who are self-employed or don’t have access to an employer-based plan.
Employer stock contributed to a retirement plan
Simple, easy-to-maintain plan that shares a company’s profits
Tax-deferred savings for employees
A less expensive 401(k) option for businesses
Defined retirement benefits for employees
Easy retirement plan that offers a savings match to employees
Allows employers to contribute to employee IRAs
Tax-deferred retirement savings
Tax-free withdrawals from retirement plan
Move an existing IRA into a new account without penalties
You’re a person here, not a number. The people here know who you are when you walk in the door and treat you like family.
– 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.