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Southern Heritage Bank is a division of FIRST CITIZENS NATIONAL BANK

Overdraft Protection

Overdraft protection is like the air bags in your car — probably something you don’t think about much… until you need it.

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We offer three ways to protect against overdrafts:

  • Auto transfer from another account — link your checking account to a secondary account (such as your savings) and funds will be automatically transferred from that account if your checking is overdrawn
  • Online banking alerts — create an alert that sends you an email or text message when your account balance drops below a designated amount
  • Overdraft line of credit — a loan that transfers money into your account if it’s overdrawn. You must apply for this loan and pay interest on any funds used.
  • Convenient access to additional funds
  • Avoid Overdraft (OD) and Non-Sufficient (NSF) fees

What our
customers say

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

– First Citizens National Bank customer