Home Locations Customer Support




Southern Heritage Bank is a division of FIRST CITIZENS NATIONAL BANK

Dogwood Checking

This account is “blooming” with a host of products and designed to meet your financial needs at a very affordable cost. Now that’s attractive.

Contact Us
Dogwood Checking is a premier package account for people who want interest earnings combined with a wide range of other features and benefits.
  • Interest compounding monthly provides additional income to customers
  • Free personalized dogwood checks
  • 50% discount on premium designed checks
  • Free online banking
  • Free online bill pay
  • Free mobile banking
  • Monthly statements with check images
  • Monthly eStatements available with online banking
  • Unlimited check-writing
  • Unlimited debit card transactions
  • Two free stop payments per year
  • Four free official checks per month
  • 25% discount on rental fee for any size safe deposit box
  • $10,000 Accidental Death & Dismemberment Coverage
  • Rx Advantage Prescription Drug Program
  • Payment Card Protection
  • 24-hour access to First Connection telephone banking 731.286.5064 or 1.800.381.3262



  • Low minimum opening deposit of $100
  • Interest earned on daily collected balances of $500 or greater
  • Monthly fee of $8
  • Customers aged 50 and over pay a monthly fee of only $5

What our
customers say

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

– First Citizens National Bank customer