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Southern Heritage Bank is a division of FIRST CITIZENS NATIONAL BANK

Merchant Card Services

Flexibility, accountability and support for merchant card processing. We’ve got your back!

Contact Us
First Citizens National Bank Merchant Services partners with BancCard of America to offer card acceptance, transaction authorization, processing and network services to businesses accepting credit and debit card payments.  
  • Payment card processing for large and small businesses
  • Outstanding customer service
  • Tailored services to fit your business’ needs
  • Free consultation and business analysis
  • Competitive pricing
  • 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