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Southern Heritage Bank is a division of FIRST CITIZENS NATIONAL BANK

Profit Sharing Plans


Share your company’s success with a profit sharing plan designed to attract and retain loyal employees.     

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Profit sharing plans provide retirement contributions to employees on a discretionary basis.
  • Flexible maximum contribution options
  • Tax-deferred savings for employees
  • Easy to design and maintain
  • 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