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Business Banking | LaSalle Parish
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