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Southern Heritage Bank is a division of FIRST CITIZENS NATIONAL BANK

Estate Settlement


First Citizens National Bank offers professional, expert administration for your estate and financial affairs.   

Contact Us
At First Citizens National Bank, we can act as the executor or personal representative of your estate. Many of our customers choose to let our professional estate planning staff fulfill this role when they don’t want to place the responsibility (or burden) on a friend or family member.
  • Experienced and unbiased representative to collect assets and pay debts
  • Relieves family members of estate settlement burden
  • Executes your wishes efficiently while minimizing tax and administrative drain.
  • Minimum opening deposit of $100
  • $5 monthly fee if average balance is below $7,500
  • $4.99 monthly fee for online banking
  • $9.99 monthly fee for online banking with bill pay
  • Small fee of $.10 per item for each debit over 100
  • Balance requirement fee and per item fee for debits paid are waived for non-profit organizations

What our
customers say

You’re a person here, not a number. The people here know who you are when you walk in the door and treat you like family.

– First Citizens National Bank customer