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Southern Heritage Bank is a division of FIRST CITIZENS NATIONAL BANK

ACH Services

With ACH services, you can pay anyone, anytime. It’s secure and convenient.

Contact Us to Enroll
ACH services allow you to make electronic payments to vendors, schedule cash disbursements and pay employees through direct deposit.  
  • Pay employees electronically by direct deposit
  • Collect money electronically
  • Transfer funds between accounts
  • Creates predictable cash flow
  • Eliminates potential fraud from paper checks
  • Support and training from our Treasury Services staff
  • Enhanced security and different access levels for multiple users
  • Terms up to 30 years fully amortized
  • Small businesses must qualify for a USDA loan. The qualification criteria include size requirements, financial standing and being in a for-profit industry.
  • Pricing varies. Contact us to learn more.

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