Fees for Products and Services

Personal Checking Accounts

Basic Checking

Monthly service charge can be avoided by receiving a deliverable E-Statement

  • Service charge: $6 per month

Regular Checking

Monthly service charge can be avoided by using Direct Deposit OR by maintaining a $500 minimum daily balance OR $1,000 average daily balance

  • Service charge: $8 per month
  • Fee: $0.50 for each check over 35 per statement cycle
    (Debit card transactions are not included in the item count.)

E-Interest Checking

Monthly service charge can be avoided by receiving a deliverable E-Statement AND a monthly Direct Deposit AND completing at least five (5) posted point-of-sale Debit Card transactions per statement cycle (ATM transactions not included in item count)

  • Service charge: $6 month

Heritage Interest Checking

Monthly service charge can be avoided by maintaining $1,000 minimum daily balance OR $2,000 average daily balance OR $5,000 in combined deposits (including CDs)

  • Service Charge: $8 per month

Preferred Interest Checking

Monthly service charge can be avoided by maintaining $10,000 minimum daily balance OR $20,000 average daily balance

  • Service charge: $25 per month

Personal Savings Accounts

Regular Savings

Monthly service charge can be avoided by maintaining $300 minimum daily balance

  • Service Charge: $3 per month
  • Fee: $3 for each withdrawal in excess of 6 per month

For additional account restrictions, please contact any SHB Customer Service Representative

Piggybank Savings

  • Fee: $3 for each withdrawal in excess of 6 per month

For additional account restrictions, please contact any SHB Customer Service Representative

Money Market Account

Monthly service charge can be avoided by maintaining $2,500 minimum daily balance OR $5,000 average daily balance

  • Service Charge: $12 per month
  • Fee: $15 per withdrawal in excess of 6 per month

Certificates of Deposit

Penalty for early withdrawal equals one month’s interest on CDs of 12 months or less, and three months’ interest on all other CDs.

Individual Retirement Accounts (IRAs)

Penalty for early withdrawal equals one month’s interest on 12-month IRAs and three months’ interest on all other IRAs. The IRS may impose a penalty for early withdrawals based on your tax status. Consult your tax adviser for tax information.

Business Checking Accounts

Basic Business Checking

Monthly service charge can be avoided by receiving a deliverable E-Statement

  • Service Charge: $7 per month
  • Fee: $0.25 for each debit item in excess of 150 each month

Regular Business Checking

Monthly service charge can be avoided by maintaining $2,500 minimum daily balance OR $5,000 average daily balance OR $50,000 in combined Business deposits and loans

  • Service charge: $15 per month
  • Fee: $0.25 for each debit item over 300 per month

Business Interest Checking

Monthly service charge can be avoided by maintaining $5,000 minimum daily balance OR $7,500 average daily balance OR $100,000 in combined Business deposits and loans

  • Service charge: $20 per month
  • Per item fee: $0.25 for each debit item in excess of 300 per month
Business Statement Options – For All Business Checking Accounts
  • E-Statements sent to your email account at no additional charge
  • Service Charge: $6.95 paper statement with check images
  • Fee: $25.00 statement on CD-ROM

Business Savings Accounts

Business Savings

Monthly service charge can be avoided by maintaining $500 minimum daily balance

  • Service charge: $4 per month
  • Per item fee: $3 per withdrawal in excess of 6 per month

Business Money Market Account

Monthly service charge can be avoided by maintaining $2,500 minimum daily balance OR $5,000 average daily balance OR $10,000 in combined Business deposits

  • Service charge: $25 per month
  • Fee: $15 per withdrawal in excess of 6 per month

Business Certificates of Deposit

Penalty for early withdrawal equals one month’s interest on CDs of 12 months or less, and three months’ interest on all other CDs