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Southern Heritage Bank is a division of FIRST CITIZENS NATIONAL BANK


Why wait on the mail to view your bank statement? eStatements are faster, secure and oh so convenient!

Contact Us to Enroll
eStatements are electronic bank statements that you can view online or download and file. 
  • View account statements anytime
  • Get email notifications when your statement is ready
  • View images of deposit tickets and checks
  • View up to 12 months of statement history
  • Reduce risk of identity theft
  • Reduce the use of paper and help the environment
  • 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