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Southern Heritage Bank is a division of FIRST CITIZENS NATIONAL BANK

Business Lines of Credit

Think of a line of credit as a safety net — an approved source of cash that is there when and if you need it.

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A business line of credit is an excellent source of funding for a variety of short-term business needs, particularly when it’s unclear when or exactly how much money you will need. You are approved up to a certain amount and can access those funds at your discretion.
  • Competitive rates
  • Secured and unsecured options available

All loans and lines subject to credit approval. Insurance may be required.

  • 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

A personal relationship with my bank is so important. I can depend on First Citizens to get things done.

– First Citizens National Bank customer