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Southern Heritage Bank is a division of FIRST CITIZENS NATIONAL BANK

Business Sweep Account

Need a checking account and an investment tool? We’ve got you covered with a Business Sweep Account.

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Business Sweep Accounts give you the opportunity to earn interest by transferring or “sweeping” your balances into an account backed by government securities.
  • Available to all businesses
  • Online banking and online banking with bill pay are available
  • 24-hour access to First Connection telephone banking 731.286.5064 or 1.800.381.3262
  • Monthly statements with check images (paper or electronic)
  • Tiered interest rates for higher interest-earning potential
  • Variable interest rate
  • $25,000 minimum account balance
  • Plan I: Retained collected balance is set to cover the bank’s cost for handling the account. Monthly monitoring is required to maintain the retained balance.
  • Plan II: Retained collected balance is permanently set at $100.00. The account is charged for the bank’s cost of handling the account.

What our
customers say

A personal relationship with my bank is so important. I can depend on First Citizens to get things done.

– First Citizens National Bank customer