Home Locations Customer Support




Southern Heritage Bank is a division of FIRST CITIZENS NATIONAL BANK

401(k) Retirement Plans


401(k) retirement plans are flexible plans to help employees invest and save for retirement.      

Contact Us
A 401(k) plan allows employees to invest a portion of their wages into an individual account. Employers can also contribute into this account. Distributions are taxable income at retirement.
  • Tax-deferred savings for employees
  • Funded by employee salary deductions
  • Gives employees the opportunity to save more
  • Allows more investment choices
  • Employer may take tax deduction of up to 25 percent of total compensation for eligible employees
    Annual contribution limits may apply
  • $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