Please be advised that our website is scheduled for maintenance on July 6, 2026. During this time, the site may be temporarily unavailable or experience limited functionality. We apologize for any inconvenience and appreciate your patience as we complete these updates.

Ready Money Reserve

INTEREST-BEARING

Ready Money Reserve

  • No monthly fee if minimum balance is over $2,500
  • Monthly service cost $9.95 if balances falls below
  • Interest is paid on balances above $2,500
         Tier 1: $2,500 – $24,999
         Tier 2: $25,000 – $49,999
         Tier 3: $50,000 – $99,999
         Tier 4: $100,000 and above
  • Six withdrawals per statement cycle, including a maximum of three third-party debits
  • $9.95 fee per debit if withdrawal limit exceeded
  • FREE Online Banking
  • Minimum opening deposit of $2,500

Now offering Instant Issue Debit Cards – when you open an account with Southern Heritage Bank, your debit card will be printed while you wait so you can begin using your account when you leave the bank.

Personal banking accounts at Southern Heritage Bank