We are working on a Better Banking Solution for you.


(non-interest bearing)

Gives you complete access to financial and security benefits.  Plus you control your fee.

  • No Minimum Balance Requirement
  • Unlimited Check Writing
  • FREE MasterCard Check Card
  • ScoreCard Rewards Program!
  • FREE Online Banking
  • FREE Mobile Banking
  • Minimum opening deposit of $100
  • Identity Theft Reimbursement Coverage*
  • Comprehensive Identity Theft Resolution Services
  • 3-in-1 Credit File Monitoring (Registration and Activation required)
  • 3-in-1 Credit Report (Registration and Activation required)
  • Accidental Death & Dismemberment Coverage*
  • Cellular Telephone Protection*
  • Gas & Gift Cards discounts (Terms and Conditions apply; Registration and Activation required)

*Special Program Notes: The descriptions herein are summaries only. They do not include all terms, conditions and exclusions of the policies described. Please refer to the actual policies for complete details of coverage and exclusions. Insurance is offered through the company named on the certificate of insurance. Refer to Guide to Benefit for complete details of coverage

Monthly service charge of $6.00 apply.  However, to reduce or eliminate this monthly service charge:

  • Have or enroll in e-Statement --receive a $3 credit
  • Perform 25 debit card swipes during the statement cycle-- receive a $3 credit
  • Do both of the above and completely eliminate the $6.00 monthly service charge.
  • If the average balance is $5,000 or greater, both $3.00 fees will be waived.


Your savings starts here! Click the EClub icon above.  As an established Secure Checking customer just click and registered with the Access Code you received with your Secure Checking documentation.  Need assistance just contact your local banker.

The EClub portal gives you access to benefits to make your financial world more secure with Identity Fraud Expense Reimbursement Coverage; Comprehensive Identity Theft Resolution Services;  3-in-1 Credit File Monitoring (Registration and Activation required); 3-in-1 Credit Report (Registration and Activation required) as well as money savings benefits right at your finger tips through the Cellular Telephone Protection and  Gas & Gift Cards discounts (Terms and Conditions apply; Registration and Activation required)!


Southern Heritage Bank’s Christmas Club account is an excellent way to save, making things easier on your bank account when the holidays roll around.

  • $5 minimum to open
  • $15 penalty to close account
  • Pays interest in November
  • Automatic transfer funds from another Southern Heritage Bank account
  • You can deposit at any time

See any branch to open your Christmas Club account today.


(Interest Bearing)

  • No Monthly fee if minimum balance is over $1,500
  • Monthly Service Charges applies to minimum balances maintained:
         $8 fee for balances of $300 or less
         $6 fee for balances of $300.01 - $500
         $4 fee for balances of $500.01 - $1000
         $3 fee for balances of $1000.01 - $1,500
  • NO FEE for balances of $1,500.01 or more
  • Variable Interest earned on daily balances of $1,000 or more
  • Interest is compounded and credited monthly
  • Limited check writing
  • 20 Cents per check in excess of 10 if daily balance falls below $1,500
  • FREE MasterCard Check Card or ATM Card
  • ScoreCard Rewards Program!
  • FREE Online Banking
  • Minimum opening deposit of $1000


For those age 60 and better!

No Monthly Fee if minimum balance is over a $100

  • Monthly service cost $3.00 if balance below
  • Unlimited check writing
  • FREE MasterCard Check Card or ATM Card
  • ScoreCard Rewards Program!
  • FREE Online Banking
  • FREE Internet Bill Pay
  • Minimum opening deposit of $100


(Interest Bearing) 

  • 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


It’s the perfect companion for your Secure Checking Account and a great way to put money away for a vacation, a wedding, a down payment on a house or car.

  • Competitive interest is earned on balances over $100
  • Pre-authorized transfer from any existing Southern  


  • Minimum opening deposit of $100
  • 9 FREE withdrawals per Quarter
  • $2.50 fee per each withdrawal over 9
*Per Federal Regulation D, a Savings or Money Market Deposit Account CANNOT be used as a transaction account. These accounts are limited to 6 "convenience" transactions PER MONTH. These convenience transactions include debits conducted through online banking, telephone transfers, ACHs, checks and Point of Sales (debit card). Transactions made in person at a branch or ATM are not limited for this regulation. SHB fees are separate and charged for more than 9 withdrawals in a quarter regardless of how they are conducted.


SHB offers the traditional services you have come to rely on as well as many non-traditional services that you expect from the bank that you do business with today.

Personal Loans

Southern Heritage Bank can assist with all your personal loan needs. Whether it's a car, boat, RV, home equity loan or home equity line of credit the team at SHB will help with the option that is right for you.

No Glitch Switch Kit

Southern Heritage Bank can show you how easy it is to switch banks! Everyone looks for a hassle free way of moving current personal or business accounts, now the switch is simple with the pages enclosed in our: No Glitch Switch Kit!

Safe Deposit Boxes

Every SHB location has affordable Safe Deposit Boxes for rent. A must to keep your valuables secure.

Night Depository

All SHB locations have a Night Depository that is well lighted and available for your convenience after banking hours.

Drive-In Banking

Available at all banking locations.


Our 24 hour Automated Teller. A great way to check your balances, find out which checks have cleared, have a snapshot statement faxed to yourself, transfer money or pay a loan! You can also get the time and temperature. Simply call 992-7059 if you are in LaSalle Parish, 339-8504 in Catahoula Parish or
1-800-992-7059 in Rapides Parish.

Master Money Check Card

Our check card allows you to make purchases at any merchant that takes MasterCard credit cards. Your purchases are subtracted from your checking account without the need to write a check. Each purchase is listed on your monthly check statement with the name and location of the merchant. Your Master Money card also acts as your ATM card, allowing you to get cash at almost any ATM.

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.