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Southern Heritage Bank is a division of FIRST CITIZENS NATIONAL BANK

Regular Checking

If we wanted to get creative, another good name for this account would be “Old Reliable.” This account has everything you need and nothing you don’t. Enough said.

Contact Us
Regular Checking is the account for people who prefer a “no frills” checking that still includes check images in monthly account statements.
  • Free online banking
  • Free bill pay
  • Free mobile banking
  • Monthly statements with check images
  • 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
  • Monthly fee of $8 if daily balance falls below $500

What our
customers say

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

– First Citizens National Bank customer