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Southern Heritage Bank is a division of FIRST CITIZENS NATIONAL BANK

Investment Services and Agency Arrangement


The First Citizens Investment and Trust Department offers professional investment services without the high costs and commissions.     

Contact Us
First Citizens National Bank offers professional investment management for individuals who want to be able to invest funds without paying high costs for fund management or sales commission.
  • Low fund management costs
  • No brokerage sales commission
  • Professional asset management
  • Minimum opening deposit of $100
  • $5 monthly fee if average balance is below $7,500
  • $4.99 monthly fee for online banking
  • $9.99 monthly fee for online banking with bill pay
  • Small fee of $.10 per item for each debit over 100
  • Balance requirement fee and per item fee for debits paid are waived for non-profit organizations

What our
customers say

You’re a person here, not a number. The people here know who you are when you walk in the door and treat you like family.

– First Citizens National Bank customer