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Southern Heritage Bank is a division of FIRST CITIZENS NATIONAL BANK

Report a Lost or Stolen Card

Losing your payment cards is a stressful experience. But never fear — we are here to help. Give us a call anytime day or night and we’ll take care of the rest.

Contact Us



To report a lost or stolen First Citizens debit card:
Please call 800.500.1044


To report a lost or stolen Elan credit card:
Please call 800.558.3424

What our
customers say

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

– First Citizens National Bank customer