Home Locations Customer Support




Southern Heritage Bank is a division of FIRST CITIZENS NATIONAL BANK

Free ATMs

Get all the cash you need with access to thousands of free ATMs.

Contact Us
First Citizens National Bank is part of the SUM and Money Tower Networks of surcharge-free ATMs.
  • Convenient access to additional funds
  • No surcharges using the SUM and MoneyTower Networks

What our
customers say

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

– First Citizens National Bank customer