Checking Accounts
Choose
The Account That Fits Your Lifestyle!
Expect a Difference.
“At Southern Heritage Bank, we strive to provide our customers with innovative products and services backed by top-notch technology. We’re proud of our neighborhood feel and community emphasis where people — employees and customers alike — are treated with warmth and respect. At Southern Heritage Bank, we’re a part of the community ... and you can Expect a Difference.”
– Lee Stewart, President/CEO
A no-frills, no fee account with the full convenience of electronic banking.
* Customers who sign up for online banking and bill pay but are inactive for 90 days may be required to reenroll.
This account matches lower balance requirements with the flexibility of a large number of paper checks and unlimited Check Card transactions.
* Customers who sign up for online banking and bill pay but are inactive for 90 days may be required to reenroll.
Get unlimited check writing plus an array of benefits – for one low monthly fee. Club Checking offers these features:
- $10 Flat Monthly Fee
- Free Checks (200 wallet-style SHB logo checks per order)
- Unlimited Check Writing
- Minimum Opening Balance - $100
- Monthly Image Statement
- Free Online Banking & Bill Pay*
- Free Phone Banking
- Free ATM Card with Unlimited Southern Heritage ATM Access or Free VISA® Check Card with Unlimited Transactions - with approval
- 3 No-SHB Fee Foreign ATM transactions per month
- $10,000 AD&D Insurance with $2,500 Dependent Coverage**
- $5,000 Identity Theft Insurance**
- Discount On Loan Rates (see SHB Lender)
- Free Cashiers Checks, Travelers Checks & Money Orders
- Free Notary Service
- Emergency Towing Reimbursement
- Hotel & Car Rental Discounts
- Vacation Message Monitor
- Credit Card Registration
- $500 Bounce Protection
* Customers who sign up for online banking and bill pay but are inactive for 90 days may be required to reenroll.
** Insurance Product Note: These descriptions are summaries only, please refer to actual policies for complete details. Insurance Products are NOT INSURED BY FDIC OR ANY GOVERNMENT AGENCY – NOT A DEPOSIT OF OR GUARANTEED BY THE BANK. Identity Theft coverage not available to residents of New York and may not be available in other jurisdictions.
Your money works for you with this tiered interest-bearing checking account featuring:
- $10 Monthly Fee
- Avoid the Fee With:
- $1,000 Minimum Daily Balance OR
- $2,000 Average Daily Balance
- Minimum Opening Balance - $100
- Tiered Interest – Rate is variable. Earnings are credited monthly to your account. Interest will not be earned on days the account balance falls below $1,000. Higher balances earn a higher interest rate (see “Tiered Rates” graphic)
- Unlimited Check Writing
- Monthly Image Statement
- Free Online Banking & Bill Pay*
- Free Phone Banking
- Free ATM Card with Unlimited Southern Heritage ATM Access or Free VISA® Check Card with Unlimited Transactions - with approval
- 3 No-SHB fee foreign ATM transactions per month
- $700 Bounce Protection
* Customers who sign up for online banking and bill pay but are inactive for 90 days may be required to reenroll.
Heritage 50 Interest Checking lets customers age 50 and above earn higher interest with higher balances and offers:
- $8 Monthly Fee
- Avoid the Fee With:
- $1,000 Minimum Daily Balance OR
- $2,000 Average Daily Balance OR
- $5,000 in Combined Deposits
- Free Membership in the Rockers Travel Program
- Unlimited Check Writing
- Minimum Opening Balance - $100
- Tiered Interest – Rate is variable. Earnings are credited monthly to your account. Interest will not be earned on days the account balance falls below $1,000. Higher balances earn a higher interest rate (see “Tiered Rates” graphic)
- Free Checks (200 SHB logo checks per order)
- Free Online Banking & Bill Pay*
- Monthly Image Statement
- Free Phone Banking
- Free ATM Card with Unlimited Southern Heritage ATM Access or Free VISA® Check Card with Unlimited Transactions - with approval
- 3 No-SHB Fee Foreign ATM transactions per month
- Annual fee refunded on SHB credit card
- $10,000 AD& D Insurance for Account Holder with $2,500 Dependent Child Coverage**
- $100,000 Common Carrier Insurance**
- $5,000 Identity Theft Insurance**
- Free Cashiers Checks, Travelers Checks & Money Orders
- Free Notary Service
- Emergency Towing Reimbursement
- Hotel & Car Rental Discounts
- Vacation Message Monitor
- Credit Card Registration
- $400 Bounce Protection
* Customers who sign up for online banking and bill pay but are inactive for 90 days may be required to reenroll.
** Insurance Product Note: These descriptions are summaries only, please refer to actual policies for complete details. Insurance Products are NOT INSURED BY FDIC OR ANY GOVERNMENT AGENCY – NOT A DEPOSIT OF OR GUARANTEED BY THE BANK. Identity Theft coverage not available to residents of New York and may not be available in other jurisdictions.
Enjoy the liquidity of a checking account combined with the interest earnings power of a Money Market deposit.
- $25 Monthly Fee
- Avoid the Fee With:
- $10,000 Minimum Daily Balance OR
- $20,000 Average Daily Balance
- Minimum Opening Balance - $10,000
- Tiered Interest – Rate is variable. Earnings are credited to your account monthly. Interest will not be earned on days the account balance falls below $10,000. Higher balances earn a higher interest rate (see “Tiered Rates” graphic)
- Free SHB Checks (200 per Order)
- Unlimited Check Writing
- Monthly Paper or E-Statement with Images
- Free Online Banking & Bill Pay*
- Free Phone Banking
- Free ATM Card with Unlimited Southern Heritage ATM Access or Free VISA® Check Card
- 3 No-SHB fee foreign ATM transactions per month
- Increased Daily Point of Sale Debit Card Limit from $1,000 to $5,000 (upon request)
- Increased ATM Limit from $300 to $1,000 (upon request)
- $700 Bounce Protection
* Customers who sign up for online banking and bill pay but are inactive for 90 days may be required to reenroll.
Being a Platinum customer is the highest level of recognition and reward afforded by Southern Heritage Bank. Platinum status is your ticket to personal attention and exclusive benefits. Awarded based on your banking relationship, it is our way of thanking our most special customers.
To obtain Platinum status simply:
- Maintain a Southern Heritage Personal Checking Account with at least $1,000
- Maintain a minimum combined deposit balance of $50,000 or a minimum combined deposit and loan balance of $100,000
- Maintain your accounts in good standing
Benefits include:
- Bonus Rates on CDs
- Discount on Loan Rates and Closing Costs
- Increased ATM withdrawal and point of sale limits
- Recognition Gifts
- Free Membership in the Rockers Travel Group
- Plus Many More!
Free Checking
Heritage
50 Interest Checking
