Waterville Springs Financial Center

Welcome to Southern Heritage Bank in Cleveland, TN – Waterville Springs location!

Looking for banking services in Cleveland, TN? Let Southern Heritage Bank provide you with “Unbelievably Good” service. As a division of First Citizens National Bank, we take pride in serving the communities of Cleveland, TN, and Chattanooga, TN. To explore all our branches across Middle and West Tennessee, click here.

Common Questions:
Q: Do you offer check cashing at your location in Cleveland, TN?
A: We do provide check cashing services for our banking customers. For more information, please get in touch with us or drop by in person. Our drive-thru facility operates from 8 AM to 5 PM, Monday through Friday.

Q: I am looking for loan places in Cleveland, TN. What type of loans do you offer?
A: Our financial solutions include home loans, auto financing, title loans, business loans, and more, all tailored to your specific requirements. Don't hesitate to contact us or visit one of our lending experts today to discuss your options.

Q: I am searching for the PIE Center location, is this the correct location?
A: No, that is another location of ours in Cleveland, TN. For that location information, click here.

Q: Do you have an outside ATM that is open to the public?
A: Yes, we offer a drive-thru option from 8 AM to 5 PM, Monday through Friday for our customers - as well as an ATM.