Preferred Interest Checking

Ultimate flexibility for High Balance customers

Choose this account if ...
You want the earning power of a Money Market ... plus total flexibility and valuable VIP perks.

All Southern Heritage
Checking Accounts Include:

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


Account Features:

  • $25 monthly service charge, waived with:
    • $10,000 minimum daily balance 
    • OR $20,000 average daily balance
  • Unlimited Checking no limit to the number of account transactions
  • $10,000 minimum opening deposit
  • Monthly E-statement or Image Statement
  • Increased daily ATM/Visa® Debit Card point-of-sale limits (upon request)
  • Foreign ATM fees reimbursed up to $12 per statement cycle
  • No annual fee Credit Card available***
  • Cashier's Check and Money Orders (limit 3 per month)

Tiered Interest

Earn Higher Rates for Higher Balances

See Rates Page for Current Rates.

$0 - $9,999
$10,000 - $49,999
$50,000 - $199,999
$200,000 - $499,999
$500,000 +

Extras for You:

  • Free SHB Logo Checks
  • Free Notary Service (proper identification required)
  • Free Rockers Travel Club Membership
  • Free VIP Concierge Service Toll-free access to concierge and personal travel assistance including emergency travel assistance, travel medical assistance and entertainment and sporting event ticketing assistance.

PLUS these Valuable Identity Protection Enhancements... 
At No Additional Cost!

  • Identity Theft Protection Covers spouse, persons qualifying as a domestic partner, dependents under age 25 and parents living in the same household
  • 3-in-1 Credit File Monitoring Daily monitoring and automatic alerts of key changes in your Experian, Equifax and TransUnion credit reports ... and access to your credit report.
  • Total ID Monitoring Over 1,000 databases including credit, public records, real property records, telephone, Social Security and others with notification of possible breach.
  • Up to $10,000 in Identity Fraud Expense Reimbursement Coverage1 In the event of an identity theft incident
  • Fully Managed Identity Recovery Talk with a dedicated, exerienced resolution specialist
  • Debit and Credit Card Registration Provides one point of contact for all your cards
  • Online Identity Theft Center Find news and resources for identity recovery

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

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1Identity 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.
*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 limit). 
***Subject to approval.

ID protect included with select accounts