Checking Accounts | Savings Accounts | Retirement Accounts | Credit Cards
  

Checking Accounts

We offer a variety of checking accounts to meet every individual's personal needs. We also have different accounts available for businesses, clubs, estates, and charitable organizations.

• Convenience – Checks allow payment by mail rather than in person.
• Statements – Are sent monthly and you also receive your canceled checks.
• Direct Deposit – We can have your Social Security, other government check and payroll checks deposited into your account.
• Credit Reference – This is also a good reference for additional credit if maintained properly.
• Stop Payment – This service is available if a customer wishes the bank not to pay a check he has already issued.

Regular Checking

Pass/Plus Checking
If you maintain $1,500 on your passbook savings, no service charge on your checking account. If you fall below $1,500 on your passbook, your checking account will be charged a regular service fee.

Thrift Checking
For accounts writing very few checks each month. College students, Cub Scouts, Softball Teams, etc. $2.00 per month - 30 cents per check.

Senior Citizens Checking
For any customer on Social Security your checking account is free of a service charge.

Rec-Chek
This computerized program is an efficient way for farmers and small businesses to keep track of their income and expenses.

NOW Account
We pay interest on your checking account, if you maintain a $1,500 minimum balance, or a $3,000 avg. balance and there is no service charge. If your balance falls below the minimum, you will be charged $6.00 for that month. You will still receive your interest even though you've dropped below the minimum balance. A monthly statement will show the interest earned and there are Unlimited Check Writing privileges. Partnerships for profit and corporations are not eligible for a NOW or Super NOW Account.

Super NOW Account
Interest Rate may vary each week in relation to money market Interest rates. Interest rates may change each Wednesday. Minimum Balance of $3,000. If your balance falls below $3,000 you will earn interest and also have a $6.00 charge for that month. Monthly Statement will show interest earned. Unlimited check writing. Partnerships for profit and corporations are not eligible for a NOW or Super NOW Account.

Money Market Plus Account
Interest Rate may vary each week in relation to money market Interest rates. Interest rates may change each Wednesday. Minimum balance of $3,000. If your balance falls below $3,000 you will earn interest and also have a service charge of $6.00 for that month.

You may write 3 checks per month and 3 pre-authorized transfers. If you exceed this limit, there will be a service charge of $2.00 per check over 3 and $2.00 per transfer over 3.

Cash withdrawals or transfers from this account to another account can be done as many times as you want with no service charge.

SHB Century Club Money Market Account
Interest Rate may vary each week in relation to money market Interest rates. Interest rates may change each Wednesday. Minimum balance of $10,000. If your balance falls below $10,000 you will earn interest and also have a service charge of $6.00 for that month.

You may write 3 checks per month and 3 pre-authorized transfers. If you exceed this limit, there will be a service charge of $2.00 per check over 3 and $2.00 per transfer over 3.

Cash withdrawals or transfers from this account to another account can be done as many times as you want with no service charge.