Home Locations Customer Support




Southern Heritage Bank is a division of FIRST CITIZENS NATIONAL BANK

Basic Checking

The word “basic” pretty much says it all. No minimum balance. No pressure.

Contact Us
Our Basic Checking account is for people who want no minimum balance, but still want to write checks and bank online.
  • No minimum balance requirements
  • Free online banking
  • Free bill pay
  • Free mobile banking
  • Monthly eStatements available with online banking
  • Unlimited check writing
  • Unlimited debit card transactions
  • 24-hour access to First Connection telephone banking 731.286.5064 or 1.800.381.3262



  • Minimum opening deposit of $100
  • No minimum balance requirements
  • $2.00 paper statement, no images
  • $5.00 paper statement with images


What our
customers say

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

– First Citizens National Bank customer