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Southern Heritage Bank is a division of FIRST CITIZENS NATIONAL BANK

Roth IRA 


A Roth IRA is a retirement savings plan that features tax-free distributions of your earned income.  

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With a Roth IRA account, you pay taxes on the contributions you make now. This means you never have to pay taxes on these funds again — even when you withdraw the funds in retirement.
  • Tax-free withdrawals are available after you’ve met requirements
  • Complete control of investment choices
  • Contributions can be made after age 70 ½
  • Tax advantages that are not available in a Traditional IRA
  • Not restricted by active participation in an employer retirement plan
  • Can be used to supplement an existing retirement plan
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