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Southern Heritage Bank is a division of FIRST CITIZENS NATIONAL BANK

Charitable Trusts


Make plans to share your assets with a charity.    

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Charitable trusts can be used to create an income stream for you while arranging to transfer assets to a charity at a later date or for a specific amount of time.
  • Reduces tax liability
  • Preserves assets for family
  • Establishes long-term provisions for your chosen charities
  • Minimum opening deposit of $100
  • $5 monthly fee if average balance is below $7,500
  • $4.99 monthly fee for online banking
  • $9.99 monthly fee for online banking with bill pay
  • Small fee of $.10 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

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