Checking

Choose the Checking Account That is Right for You.

Our streamlined Checking Account options are designed to help you take control of your money more efficiently and effectively. 
The choice is yours. Compare the benefits. For more detailed information, click on an account type.

 

  a woman with an open laptop and a mug a couple nearing retirement is depicted a young woman displaying her debit card a senior couple behind an open laptop a formally dressed middle aged couple
  Basic Regular E-Interest Heritage Interest Preferred Interest
Choose this
Account if...
You want a no-frills checking account with the full convenience of electronic banking. You write fewer than 35 checks per month and want a monthly Image Statement. You want to earn premium interest ... and prefer to use your Debit Card and bank electronically. You prefer a checking account that pays you higher interest rates for greater balances ... and provides an attractive package of benefits. You want the earning power of a Money Market plus total flexibility and valuable VIP perks.
Interest No No Yes ... earn a higher interest rate the more you use your Debit Card. Yes ... earn higher interest on higher balances. Yes... earn higher interest on higher balances.
Monthly Service Charge $6 monthly service charge, waived with:

Deliverable monthly E-Statement
$8 monthly service charge, waived with:

Monthly Direct Deposit

OR $500 minimum daily balance

OR $1,000 average daily balance

$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

$8 monthly service charge, waived with:

$1,000 minimum daily balance

OR $2,000 average daily balance

OR $5,000 combined deposit balances

$25 monthly service charge,
waived with:

$10,000 minimum daily balance OR $20,000 average daily balance
Statement Options E-Statement or Image Statement E-Statement or Image Statement E-Statement E-Statement or Image Statement E-Statement or Image Statement
Special Features NA NA NA

Identity Theft Protection Package†

No annual fee Credit Card available***

Cashiers Checks and Money Orders (limit 3 per month)

Free SHB Logo Checks

Free Notary Service

Free Rockers Travel Club Membership

Foreign ATM fees reimbursed up to $6 per month

Identity Theft Protection Package†

No annual fee Credit Card available***

Cashiers Checks and Money Orders (limit 3 per month)

VIP Concierge Service

Free SHB Logo Checks

Free Notary Service

Free Rockers Travel Club Membership

Foreign ATM fees reimbursed up to $12 per month

All Southern Heritage Checking Accounts Include:

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

 

*Customers who sign up for Online Banking and Bill Pay, but are inactive, may be required to reactivate (after 180 days inactive) or re-enroll (after 270 days inactive).
**Subject to approval and daily limits ($300 ATM/ $2,500 point-of-sale) 
***Subject to approval. †$.50 per check over 35 per statement cycle.
†Ask us for a full listing of benefits. Identity Theft Insurance underwritten by insurance company subsidiaries or affiliates of Chartis, Inc. The description herein is a summary and intended for informational purposes only and does not include all terms, conditions and exclusions of the policies described. Please refer to the actual policies for terms, conditions and exclusions of coverage. Insurance product is not insured by the FDIC or any Federal Government Agency: not a deposit or guaranteed by the bank or any bank.