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Southern Heritage Bank is a division of FIRST CITIZENS NATIONAL BANK

Employee Stock Option Plan (ESOP)


Attract and retain employees and improve liquidity by offering stock contributions to a retirement plan.     

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In this retirement plan, employees receive shares of company stock and become partial owners of the company.
  • Improves liquidity and cash flow
  • Creates a market for employer stock
  • Offers tax-deferred savings for employees
  • Protects financial privacy
  • Employer receives a deduction for cash or non-cash contributions to the plan in the form of stock shares
    Annual contribution limits may apply
  • $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