Business Banking | LaSalle Parish | Southern Heritage Bank

What’s Best For Your Small Business?

Loan Department

We offer various types of commercial loans to meet your business needs. Please check with any SHB loan officer for details. They are available to help you with each step, from application to closing the loan. Stop in and visit with one of our friendly local bankers today for more details.

Small Business and Commercial Loans with terms to fit your business needs.

Business Lines of Credit for recurring needs. Flexibility without repeated paperwork.

Letters of Credit

Business Credit Cards so convenient for many business needs. Check out our competitive rates. Deal with people you know and trust!

Pay By The Ton Program with equipment loans and equipment insurance loans for today's logging firm.

How to choose your accounts

How do you know which accounts are right for your business? The first thing to consider is your account balance – is it typically above or below $2,500? Other important factors include how many transactions you make a month and how you prefer to access funds. To get a better idea of which accounts are right for your business your local Southern Heritage Bank representative will be happy to assist you with any of the accounts listed below.

BUSINESS CHECKING OPTIONS

Non-Interest Bearing

Business Basic Checking
Designed for a business with more of a modest monthly account activity level.

Flat monthly cost of service is just $3.00
No minimum balance requirements
Five withdrawals per month FREE
$1 fee per debit thereafter
FREE MasterCard Check Card or ATM Card
ScoreCard Rewards Program!
Night deposit service available
Minimum opening deposit of $100

Business Checking
Southern Heritage Bank’s ideal account for small to mid-sized businesses.

FREE if minimum average daily balance is over $5,000
Monthly cost of service $9.90 if balance falls below
Monthly cost of service may be offset by a credit based on average collected balances in excess of $2,000.00.
Items Deposited $.06 per item
Debits/Checks $.15 per item
FREE MasterCard Check Card or ATM Card
ScoreCard Rewards Program!
Night deposit service available
Minimum opening deposit of $100

Business Account Analysis
An ideal account for a business with higher levels of monthly account activity.

Monthly service fees and transaction fees may be offset by a credit based on average collected balances and current Treasury Bill Rates.
Maintenance fee - $5.00
Items Deposited $.06 per item
Debits/Checks $.15 per item
FREE MasterCard Check Card or ATM Card
ScoreCard Rewards Program!
Night deposit service available
Minimum opening deposit of $100

Interest Bearing

NOW Business
Interest-bearing business checking accounts are available to individuals, sole proprietorships, non-profit groups, schools, hospitals and other specific businesses and organizations. If your business falls into one of these categories, you can earn interest on your account’s daily collected balance. Variable-rate simple interest will be paid each month and will be shown as a separate entry on your account statement.

FREE if minimum balance is over $2,500
Monthly cost of service $9.00 if balance falls below
Balances over $1,000 earn interest
Items Deposited - $.04 per item
20 FREE checks/withdrawals; $.15 per item charge in excess of 20
FREE MasterCard Check Card or ATM Card
ScoreCard Rewards Program!
Night deposit service available
Minimum opening deposit of $100

Money Market Business
An account for businesses interested in higher interest!

FREE if minimum balance is over $2,500
Monthly cost of service $8.00 if balance falls below
Six withdrawals per statement cycle
$5.00 fee per debit if you exceed six withdrawals
Interest is earned on balances over $2,500
Minimum opening deposit of $100

FREEDOM Ready Money Reserve
For businesses with large balances that want market-responsive rates and liquidity. Earn competitive interest on higher account balances with tiered rates!

No monthly fee if minimum balance is over $2,500
Monthly cost of service $9.95 if balance falls below
Interest is paid on balances above $2,500
Tier 1                  $2,500 - $24,999.99
Tier 2                $25,000 - $49,999.99
Tier 3                $50,000 - $99,999.99
Tier 4                $100,000 and above
Three withdrawals per statement cycle
$9.95 fee per debit if withdrawal limit exceeded
Minimum opening deposit of $2,500

BUSINESS SAVINGS OPTIONS

Interest Bearing

Business Savings

Competitive interest is earned on balances over $100
Minimum opening deposit of $100
Nine FREE withdrawals per quarter
$2.50 fee per each withdrawal over the nine in a quarter

Certificates of Deposit
Are available in a variety of terms to suit your investment needs. Contact one of our offices for current rates. Minimum to open is $5,000.00

Individual Retirement Accounts
Are a great way to prepare for retirement. We offer Traditional IRA's and Roth IRA's.

BUSINESS CREDIT CARD PROCESSING

Credit Card Processing

Lowest cost credit card processing is easy and available through Southern Heritage Bank.

You have many options when it choosing a credit card processing service. Choose a local processor for a level of customer service and processing rates that other companies cannot match.

We provide:

Local, personalized customer service including 24-hour technical support
Ability to process any form of payment including:

All major credit cards
PIN-based debit cards
EBT cards
Checks with guarantee (Risk-free)
Gift cards and loyalty cards
Voyager fleet cards

Added security including PCI compliancy
No-fee conversion and equipment programming
All of your equipment and supply needs. No need to search for compatible equipment and supplies
Flexibility in how your process transactions:

Over the phone
Wireless terminal
Personal computer
Electronic point-of-sale
Online via e-commerce site
Mobile

Payment Processing Options:

Integrated cash register and payment systems
Easy to use stand-alone payment systems
Mobile payment systems