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Southern Heritage Bank is a division of FIRST CITIZENS NATIONAL BANK

Traditional IRA 


A traditional IRA is a retirement savings plan that offers tax-deferred savings growth.     

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A traditional IRA account lets individuals contribute pre-tax income into an investment account that can grow on a tax-deferred basis. You pay income tax on the distributions you take when you retire.
  • Designed for long-term retirement growth
  • Tax-deferred savings for employees
  • Complete control of investment choices
  • Investment income is not taxed until withdrawn
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