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Southern Heritage Bank is a division of FIRST CITIZENS NATIONAL BANK

Health Savings Account

A health savings account can provide funds to keep you in the pink, while your finances stay in the black. It also has tax advantages. You’re welcome!

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A Health Savings Account is designed for individuals that have an HSA-qualified high deductible health plan (HDHP). An HSA is a tax-exempt account that can only be used to pay qualified medical expenses.
  • Tiered interest rates based on collected balances give the customer the ability to earn additional income
  • HSA funds are easily accessible with HSA checks or debit cards
  • Complimentary first order of HSA checks
  • Monthly statements with check images
  • Free online banking and First Connection telephone banking
  • Tax advantages include:
    • Tax deductions for HSA contributions for employee/customer
    • HSA earnings excluded from taxable income for employee/customer
    • Tax-free withdrawals for qualified medical expenses for employee/customer
  • Accumulated interest is tax-free or tax-deferred
  • All contributions made by employers are exempt from payroll taxes, but are subject to W-2 reporting
  • $3 monthly fee

What our
customers say

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

– First Citizens National Bank customer