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 geared for consumers who enjoy the convenience of electronic banking and don’t want to pay for extra services or maintain compensating balances.
* Customers who sign up for online banking and bill pay but are inactive for 90 days may be required to reenroll.
This account is designed for individuals who sometimes keep lower balances, yet need 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.
Take advantage of an account offering unlimited check writing plus an array of benefits – all for one low monthly fee. When you choose Club Checking, you will receive these features:
- $10 Flat Monthly Fee
- Free Checks (150 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
- $10,000 AD&D Insurance with $2,500 Dependent Coverage*
- $5,000 Identity Theft Insurance**
- 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
- 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.
Let your money work for you with this tiered interest-bearing checking account. Our Interest Checking account offers the following:
- $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 and 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.
You’ve worked hard for your money. Now let it work for you with Heritage 50 Interest Checking. This account, for customers age 50 and above, lets you 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
- Free Checks (150 wallet-style SHB logo checks per order)
- Free Online Banking & Bill Pay*
- Annual Individual Senior Circle Membership at Sky Ridge Medical Center
- Monthly Image Statement
- Free Phone Banking
- Tiered Interest – Rate is variable and 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)
- $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 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
- 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.
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
- Maintain a minimum combined deposit balance of $30,000 or a minimum combined deposit and loan balance of $75,000
- 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
