E-Banking
Save time. Save money. With the electronic banking options available from Southern Heritage Bank, you can save both! E-banking services give you a fast, convenient way to access your Southern Heritage Bank accounts, transfer funds, view your statement, pay bills, apply for loans and much more! You can bank from almost anywhere — home, the office or on the road — at any time … 24 hours a day, 7 days a week!
The days of storing months and years of cancelled checks are GONE! Today, with most Southern Heritage Bank checking accounts you can receive and store electronic statements via your computer. Electronic and image statements are considered legal documents by the IRS and U.S. Courts.
Southern Heritage Bank’s Free Online Banking and Online Bill Pay services give you instant access to your personal and business accounts and banking services, along with helpful financial tools. Our Online Banking service uses passwords and powerful encryption technology to keep your account information private and secure. With Online Banking you can:
- Check Balances – Monitor checking, savings, loans, line-of-credit accounts and CDs.
- Verify ATM or Check Card Transactions – Track your transactions almost instantly.
- Receive Statements – Receive Online E-Statements on your accounts
- View Account History – Track deposits, withdrawals, cleared checks and transfers.
- Search Account History – Query by check number, amount and/or date.
- Transfer Funds – Move funds between your checking, savings and money market accounts.
- Make Loan Payments – Transfer funds from your Southern Heritage deposit account to make your Southern Heritage Loan payment.
- View Check Images Online – See (and print) the ACTUAL image of all your cleared checks.
- Pay Bills Electronically – Save money on postage … save time addressing envelopes — with a few simple keystrokes and mouse clicks you can pay your bills online.
- Set Up Recurring Payments – Paying recurring bills is even easier … simply select your payment recipient and confirm the bill amount.
Using any touch-tone or cellular phone, you can bank on your schedule. Call our local number 24 hours a day … 7 days a week to:
- Review Checking, Savings and Loan Balances
- Search for Cleared Checks
- Transfer Funds Between Accounts
- Make Southern Heritage Bank Loan Payments
Get cash and account information at any Southern Heritage Bank ATM and thousands of other machines nationwide displaying the Pulse and Plus logos. (There may be a fee for using non-Southern Heritage Bank ATMs – see Schedule of Fees.
Save yourself the trouble of carrying cash or your checkbook! Enjoy unlimited electronic transactions, no matter what checking account you have. Your Check Card is always fast and convenient, and free to Southern Heritage customers (with approval).
Our SHB VISA® credit cards offer fast, easy ways to pay. Accepted worldwide at locations displaying the VISA® logo (application approval is required).
Save time and effort! Have your Social Security, pension, payroll, dividend, retirement and other deposits credited directly into your checking or savings account … it’s the fastest and most secure way to get money into your account.
Q: Do I have to buy expensive software to clean viruses from my computer?
A: There are reputable programs available for free on the internet that may meet your needs. Be sure to do your homework prior to installing any software. Verify the software’s reputation using software review websites such as Cnet.com, prior to installing the software. Some examples of free anti-virus protection and malware removal are:
Note: We cannot endorse or recommend any of the above programs. They are listed here only to show examples of what is available.
Q: Is one anti-virus software program better than another?
A: Marketing hype aside, all reputable antivirus software does pretty much the same job. Some may be better than others in regards to a particular feature, but any one of them is better than no antivirus software at all. However, there are a number of disreputable antivirus programs that actually do more harm than good. Be wary of any antivirus software that advertizes itself via unsolicited e-mail (spam) or pop-up windows.
Q: How do I know if my PC is infected?
A: Infected PCs may exhibit suspicious behavior, such as running more slowly than normal, locking up often, crashing and restarting frequently, or displaying unusual error messages. Or they may exhibit no symptoms at all. Also, the suspicious behavior often shown by infected PCs may be caused by a number of other factors. So while a poorly performing computer should make you suspect that it may be infected, you won’t know for sure unless you frequently scan your PC with an antivirus tool.
Q: Aren’t you safe from these threats if you stay away from those shady and unsavory websites?
A: Your PC could be infected from a number of sources. Viruses can be transferred from PC to PC through the use of a shared USB Flash Drive. There are many instances where a nationally recognized company’s website has been compromised and visitors to their site have been infected with malware. The best way to protect yourself is to protect your PC.
Q: What do I need to do to protect my PC?
A: While there is no silver bullet that will protect you from every risk, if you take the following precautions, you can significantly reduce your exposure:
- Install an antivirus program and configure it to update its virus definitions daily.
- Configure your computer and connection to the internet properly. Some computer systems come with a lot of security enabled by default, but have someone who knows what they're doing check the configuration of your computer and other communications equipment —wireless routers, DSL or cable modems, etc.
- Turn on automatic software updates. This is a feature of some software which allows it to patch itself with very little effort from you. Make sure it's turned on for your operating system, security software, and any applications that have the option.
- Be aware of your Internet surroundings. Learn to tell scams from real email, and when not to follow links or open a document. It takes time and practice to develop Internet “street smarts.”
- Perform regular backups. If your system becomes infected with a virus, you may have to reinstall your complete system. Backups ensure you don't lose your data if that becomes necessary.
E-Statements
