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Southern Heritage Bank is a division of FIRST CITIZENS NATIONAL BANK

Positive Pay

Take control and prevent check fraud with this secure method of reviewing suspicious items.

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Positive Pay reduces check fraud by reviewing each check presented for payment against a list of checks issued. Checks without a match are presented as suspicious items for you to review.  
  • Easily import check file to online banking site
  • Quick access to review items presented for payment
  • Checks matched on amount and check number
  • Terms up to 30 years fully amortized
  • Small businesses must qualify for a USDA loan. The qualification criteria include size requirements, financial standing and being in a for-profit industry.
  • Pricing varies. Contact us to learn more.

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