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Southern Heritage Bank is a division of FIRST CITIZENS NATIONAL BANK

Living Trusts

Established during your lifetime, a living trust can protect your assets for your benefit and offer tax advantages. 

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A living trust places all of your assets in a trust that is administered for your benefit during your lifetime. If you are concerned about the management of your affairs if you were to become disabled or if you are interested in the potential tax advantages of a trust, a living trust may be a smart choice for you.
  • Completely confidential
  • Designed to avoid probate proceedings
  • May reduce taxes (consult your tax advisor)
  • Protects financial privacy
  • Provides expert asset management
  • Allows deceased to maintain some control of assets after death
  • 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