Business Banking
Banking That Puts You And Your Business First
With business and personal success comes challenges … and opportunities. Financing a facility expansion. Investing in upgraded technology. Managing your cash flow. Planning for the future. To be competitive, you need a reliable and accessible financial partner. Southern Heritage Bank gives businesses an edge and business owners peace of mind.
Talk to us about your business and personal financial goals. Our experienced bankers get to know each customer, so when opportunity knocks, we have the knowledge to implement fast, creative financial solutions tailored specifically for you and your business.
You can Expect A Difference when your business and personal banking
relationships are with Southern Heritage!
Southern
Heritage Bank Gives You The Tools To Manage Your Money
As your financial partner, we're interested in providing you with the right selection of Deposit Services, with features and pricing that make sense for you. We'll work closely with your company so you can easily manage your cash and make sure you get the most for your money.
Business Checking Accounts
Your business is unique and so are your checking account requirements. We'll evaluate your account transactions and balances to make sure your Southern Heritage checking account is the best fit for your business. Choose from
:
Offers Businesses with fewer than 150 debit transactions per month the convenience of a monthly E-Statement and Online Banking and Bill Pay, all at no monthly fee.
With a low opening balance, this account works well for small businesses. Up to 300 debit items* are allowed per month at no charge and the monthly fee is waived with a minimum daily balance of $2,500 or an average daily balance of $5,000. Click
here for Fees.
Sole proprietorships and non-profit organizations can earn tiered interest on checking account balance levels from:

Monthly fee is waived with a minimum daily balance of $2,500 or an average daily balance of $5,000. Click here for Fees
We'll create a custom account for businesses with higher monthly balances and transaction volume (consistently more than 300 items* per month). Fees are generally charged on a per-item basis, but can be offset by credits earned with compensating balances in the account. Click here for Fees.
*An "item" is defined
as any debit to include checks, wire transfers, ACHs, in-person withdrawals,
CHECKCard purchases, etc. There is a charge for each item exceeding
the monthly maximum. Your Southern Heritage Bank representative can
provide you with a complete list of per-item fees and credits.
Let Southern Heritage Bank partner with you to offer your employees special banking privileges including loan discounts, Club Checking benefits and special CD offers. Contact
us today to find out more.
Southern Heritage Bank offers businesses a variety of ways to save money and earn competitive interest on balances.
- Interest Earnings – Accrued daily and credited quarterly.
- Withdrawals - Up to six withdrawals* allowed per quarter.
- No Monthly Service Charge* - With a $500 Minimum Daily Balance.
- Minimum Opening Balance - $200.
- Click
here for Fees
Interest Earnings - Deposits automatically earn higher interest rates as balances increasesits automatically earn higher interest rates
as balances increase.
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Withdrawals - Up to six withdrawals* allowed per month at no charge, 3 of which may be by check.
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No Monthly Service Charge* - With a $2,500 Minimum Daily Balance OR $5,000 Average Daily Balance OR $10,000 Average Combined Deposit Balance.
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Minimum Opening Deposit - $2,500.
-
Click here for Fees
Pay competitive interest rates and are available in terms from 3 to 60 months - perfect for long-term deposits when daily access is not required.

We can provide the knowledge and additional tools to maximize your cash flow. You can rely on our Business Bankers to help you learn more about services that can give you tighter control over your cash and drive greater profits for your company.
Turn your business receivables into instant cash! With the Business Manager Program, Southern Heritage Bank can generate your business invoices, collect payments, deposit the payments directly into your account and provide weekly reports.
Give your customers more
ways to pay – making it easier for you to grow your business!
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You'll be able to accept major credit cards, online (an ATM card which requires a PIN to be entered) and offline debit cards, and purchasing cards.
-Verify checks from anywhere in the United States or Canada. Check image scans may also be deposited directly into your business account via ACH, eliminating trips to the bank.
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Southern Heritage offers you convenience, power
and control over your cash with a range of electronic banking services
including:
- Scan and electronically submit customer checks from your place of business. With later deposit cut-off times your business can receive customer funds faster and without a trip to the bank.
-Eliminate the cost of creating and mailing paper checks and/or increase the efficiency of receiving payments. ACH services are especially popular for employee payroll.
- Maximize the use of your money by automatically sweeping funds in and out of various company accounts. This feature allows you to use excess funds to pay against loans and lines of credit … or to automatically move money from an operating account into an interest-earning account.
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If you receive a volume of checks through the mail, Southern Heritage can receive and process these checks … speeding up deposits into your account and reducing your time going to and from the bank.
- Night
Deposit Service
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Wire and Telephone Transfers
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Federal Tax Payment Services
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Change Service For Desired Denominations
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Cash Counting/Coin-Rolling
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Business VISA® Check Cards and Credit Cards

We Specialize
In Small To Mid-Size Businesses.
Southern Heritage Bank specializes in providing small and mid-sized businesses money to grow and prosper … with competitive loan rates and terms for almost any purpose. When you need a loan, trust Southern Heritage Bank to be there for you. Without waiting. Without red tape. You'll get a prompt response to your loan requests because lending decisions are made right here in Cleveland, Tennessee.
Find out how good
Southern Heritage’s personal service can be by visiting any Business
Banker ... or by contacting
us today. Or click
here to begin your loan application online today!
You can Expect
a Difference at Southern Heritage Bank ... because you’ll have
the dedicated attention of a banker who understands the unique cash
requirements of your business. And we’ll work with you to set
up flexible repayment terms that fit your cash flow patterns and allow
you to keep your business on track. We’re local people helping
other local people just like you with:
- Accounts
Receivable Loans
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Residential Real Estate Development &
Construction Loans
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Debt Consolidation Loans
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Equipment Financing/Leasing Services - Perfect for commercial fleets,
procurement of heavy equipment or emergency vehicles.
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Facility Construction/Expansion Loans - Flexible terms from planning
to occupancy.
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Inventory Financing
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Letters of Credit
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Lines of Credit
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Working Capital Loans
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Small Business Administration Loans - The Small Business Administration (SBA) is the largest source of long-term small business financing in the nation. Southern Heritage Bank is experienced at helping small and start-up businesses in the Ocoee Region obtain SBA-backed loans when traditional funding is otherwise unavailable. To review the SBA
qualifications and eligibility requirements, talk
to your nearest Southern Heritage Business Banker.

Southern Heritage Bank has developed a positive reputation among home builders, developers and home buyers in the Ocoee Region. We provide loans and lines of credit for qualified builders and developers. We also have a strong mortgage services department to provide home buyers with a variety of variable and fixed-term residential loans. Our lending services include:
- Development
Loans
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Construction Lines of Credit - For custom construction.
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Construction/Perm Loans
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Mortgage Services - We take good care of your home buyers with
a seamless transition to their permanent financing.
Building houses … developing property. Your investment and risk is sizable. And the personal energy required to keep projects running on schedule can be demanding. That's why you need a savvy banker … a local resource … someone who understands the financial tightrope you walk. That's why you need Southern Heritage Bank.
No other lender knows the residential development and building market better, translating into great benefits for you: Timely draws, risk mitigation and reduced stress mean greater profitability for you!
We are committed to working with qualified builders in a way that allows quick turnover of homes. Not only do we work with you closely during construction, but also after completion. Our mortgage professionals work with you, the real estate agent and home buyer to close the loan quickly and efficiently, putting money in your pocket without delay.

E-Banking is the high-speed solution for managing your company's daily finances, paying bills, transferring funds and monitoring your accounts. Whenever you're working, Southern Heritage E-Banking is working, too! Simply click … dial … drive through … or swipe your plastic - we're at your service 24/7!
The Southern Heritage Bank Web site is designed to be a valuable - and accessible - resource for you. Visit here often for updates that will provide you with even more online flexibility and efficiency in managing your money. You'll find many resources are just a click away, including:
Smaller businesses will appreciate
the many convenient features of Online Banking. You can:
- Check
Account Balances
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Verify Transactions - Including deposits, debits and transfers made
via telephone, Check Card or ATM.
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Search and View Cleared Checks - By date or number.
- Receive E-Statements – Receive and store account statements electronically via your computer
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Transfer Funds - Between various Southern Heritage Bank deposit and
loan accounts.
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Pay Bills - With optional Online Bill Pay* service. No postage required!
*Subject
to normal bank transaction fees.
Larger businesses requiring more comprehensive online services and multiple-user security will benefit from the efficiencies offered by Southern Heritage Bank's Corporate Cash Management. We can show you how to optimize your company's cash flow.
- Check
Account Balances
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Review Statement History
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Transfer Funds Between Accounts
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Make Southern Heritage Bank Loan Payments
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Multi-User Access - Provides enhanced security with a restricted access
code and unique ID numbers and PINs for each user.
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Request Stop Payments*
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Check Current Interest Rates
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Download Account Information - Into financial management software
such as Microsoft Money.
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Wire Transfers* - Initiate domestic wire transfers online.
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ACH Origination* - Initiate and maintain ACH transaction files online, including direct deposit, cash concentration and electronic check presentment.
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Online Bill Pay* - Set up one-time or recurring payments, electronically.
*Subject to normal bank transaction
fees.
Let us show you how E-Banking
can propel your money management to greater levels of speed and efficiency.
It’s easy to gain access ... click
here for an application for Online Banking, Online Bill Pay and
Corporate Cash Management. Or contact
us for more information. We’ll come to your business to show
you just how smooth a transition to Southern Heritage Bank’s Online
Banking or Corporate Cash Management tool can be.
- Call 423-473-7757 to verify balances, deposits and electronic transactions
... search for cleared checks ... even transfer funds ... 24 hours a
day.
-Because you can use it anywhere VISA® is accepted, the Southern Heritage Credit Card and Check Card are perfect for business travel and office purchases made by you and select employees. Your VISA® Credit Card and VISA® Check Card are two more ways Southern Heritage gives you ultimate access to your cash:
- Quicker
than writing a check.
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Use it for making ATM transactions ... around the corner or around
the globe.
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Purchases approved on the spot.
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Saves you money by eliminating the purchase of additional paper checks.
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Get multiple cards for authorized employees.
- Convenient, safe, dependable
Southern Heritage Bank ATMs allow you to make deposits and get cash
... anytime. Click
here to find the ATM location nearest you.
