E-Interest Checking

Choose this account if ...
You want to earn premium interest and prefer to use your Debit Card and bank electronically.

All Southern Heritage
Checking Accounts Include:

  • Monthly E-Statement
  • Online Banking and Bill Pay*
  • Visa® Debit Card**
  • No Fee at Southern
    Heritage Bank ATMs


Account Features

  • $6 monthly service charge, waived with:
    • Deliverable monthly 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)
  • $100 minimum opening deposit
  • Tiered Interest for balances under $25,0001 The more you use your Debit Card, the higher your rate
  • Unlimited Checking no limit to the number of account transactions
  • Monthly E-Statement2 Delivered via email

Tiered Interest

Use Your Debit Card to Earn a Higher Rate

Rate Tiers are based on the number of posted point-of-sale Debit Card transactions per statement cycle. See Rates Page for Current Rates.

Daily Balances Under $25,000
50+ Debit Card Transactions
26-49 Debit Card Transactions
16-25 Debit Card Transactions
0-15 Debit Card Transactions
Daily Balances $25,000 and Greater Earn a Different Rate.

Waive the Monthly Service Charge3 By Doing All 3!

  1. Sign up and receive E-Statement
  2. Receive at least one monthly Direct Deposit
  3. Complete 5 posted point-of-sale Debit Card transactions

Ready to get started? Open a E-Interest Checking Account by visiting your nearest Southern Heritage Bank office.

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1Rate will be different on balances $25,000 and greater. 
2 E-Statement enrollment required at account opening. Truncated paper statement available for $6 per month service charge. 
3Deliverable E-Statement, monthly Direct Deposit and minimum of five (5) posted point-of-sale Debit Card transactions per statement cycle required to waive $6 monthly service charge.
*Customers who sign up for Online Banking & Bill Pay, but are inactive, may be required to reactivate (after 90 days inactive) or re-enroll (after 183 days inactive).
**Subject to approval and daily limits ($300 ATM / $2,500 point-of-sale limit).