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Southern Heritage Bank is a division of FIRST CITIZENS NATIONAL BANK

Personal Banking

At First Citizens National Bank, we are passionate about providing you with a personal banking experience that is unique and consistently fantastic. Whether you visit us to open a checking account, refinance your home or apply for a car loan, we want you to come away with the impression that we are positive, energetic and compassionate to your needs. We want to be the bank you think of first, whether it’s for a traditional product like a mortgage or home equity loan, or new technology such as mobile banking. We’ve been here for 125 years, and we’re just getting started.

What our
customers say

I highly, highly recommend First Citizens. The service is just that GOOD.

– First Citizens National Bank customer