Home Locations Customer Support




Southern Heritage Bank is a division of FIRST CITIZENS NATIONAL BANK

My Rewards Premium Debit Cards

These debit cards give you cash back rewards plus enhanced travel benefits and purchase protection.

Contact Us
Redeem Rewards
Our First Citizens National Bank rewards debit cards are much more than the average debit card. Like other debit cards, your rewards debit card works like a card, but deducts purchases from your account like a check. Rewards debit cards also offer a wide range of benefits and cash back rewards.


My Rewards Gold Debit Card

  • Medical assistance when traveling
  • Emergency Roadside Assistance coverage
  • Extended warranty
  • $9.95 monthly fee

My Rewards Platinum Debit Card

  • Up to $5 cash back per $100 spent through online merchants
  • AirMed Medical Assistance when traveling — Full evacuation/repatriation coverage
  • Emergency Roadside Assistance coverage
  • Extended warranty and buyers protection
  • VIP customer service line 
  • Exclusive rewards, vacation packages, events, etc.
  • $14.95 monthly fee
Your Secure Code makes it easy to make safe purchases when you shop online. It provides two-way authentication, telling the retailer that you’re the one making the purchase, and telling the bank that you authorize payment. When you checkout online, a window opens and asks you for your Secure Code. Enter it, and you’re done. Now you’re making safer purchases online.

Find about more about Secure Code in this FAQ.

Signup is free, so Sign Up Now.


What our
customers say

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

– First Citizens National Bank customer