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Southern Heritage Bank is a division of FIRST CITIZENS NATIONAL BANK

Home Trust ServicesTrust and Estate PlanningOther Trust Services

Other Trust Services 

Special needs trusts, guardianships and conservatorships provide a way to care for a disabled person or a minor who is without living parents or guardians.   

 
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Special needs trusts, guardianships and conservatorships are special arrangements that hold money in a trust that will be used for the care of a beneficiary.
 
  • Guarantees that the money will be used for the care of the beneficiary
  • Trust can own assets without disqualifying the beneficiary from receiving government benefits
  • Designed to address the specific needs of the disabled person or minor
  • 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

 

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125 YEARS FEELS UNBELIEVABLY GOOD

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.

 
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