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Southern Heritage Bank is a division of FIRST CITIZENS NATIONAL BANK

Now Checking

This checking account is simple. It earns interest and allows you to write as many checks as you want. Pretty cool, huh?

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The Now Checking account is for people who want to earn interest on their account balance without a limit on check-writing.
  • Earns interest on daily collected balances
  • Free online banking
  • Free online bill pay
  • Free mobile banking
  • Monthly statement with check images
  • Monthly eStatements available with online banking
  • Unlimited check-writing
  • Unlimited debit card transactions
  • Interest rate reduction of 0.15% per year on new personal loans with auto debit*
  • 24-hour access to First Connection telephone banking 731.286.5064 or 1.800.381.3262

*Subject to credit approval

  • Minimum opening deposit of $1,000
  • Earns interest on daily collected balances of $1000 or more
  • Monthly fee of $9 if daily balance falls below $1,000 or average daily balance falls below $5,000

What our
customers say

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

– First Citizens National Bank customer