Your Community Bank
Hometown Service
Checking with Perks
Mobile Banking Tools
Community Investment
A Business Banking Partner
Local Decision-Making
A Branch Near You
That’s good to know.
Digital Banking Tools
Your Community Bank. Wherever You Are.
With online banking and the SouthEast Bank mobile app, you can bank from Tennessee and beyond, seamlessly. Deposit checks, pay bills, leverage budgeting tools, receive fraud alerts, and more, all on the go.
Popular Checking Accounts
Rewards Checking
A simple account that earns cashback rewards on debit card purchases.
- Earn $.10 cashback(1) for every debit card purchase of $1.00 or more
- Get paid up to three days early with Accelerate
Bonus Rate Checking
Earn over 50x the national average for checking(2) by meeting requirements.
Premium Interest Checking
This account is best for earning interest on larger account balances.(5)
- Earn more as your balance grows with tiered interest rates
- Enjoy unlimited check writing
12-Month CD Special(6): Earn 4.01% APY*
Commercial Lending
Your Business Needs, Covered.
Scaling and maintaining a business costs money, and SouthEast Bank has the financing solutions you need to keep things moving. With quick service and local decision-making, our team is ready to serve you.
Mortgage Services
Trust Us With Your Next Step.
Let us help you secure financing for your dream home or refinance your mortgage. Browse our mortgage offerings and meet with a loan officer today.
Love SouthEast Bank?
Refer a Friend & Earn up to $150.
Community Investment
We Love Our Tennessee Community
As a local bank, we understand the importance of being a good neighbor. That’s why we’ve given more than $23 million to support secondary and post-secondary education in Middle and East Tennessee. Learn more about us at the link below.
From the Blog
Digital Wallet: Definition and Benefits
What is a digital wallet? A digital wallet is how you can securely store payment information and pay for purchases with your smartphone.
Read More
Maximize Your Money: 5 SouthEast Bank Checking Accounts
Looking for the best banks for checking accounts? Explore these checking account options from SouthEast Bank.
Read More
5 Reasons to Use eStatements
If you still receive paper statements, you’re wasting paper — and space. Here are five reasons to make the switch to eStatements.
Read MoreIn-Branch or Online, We’re Good to Know.
Open an Account
Open a checking, savings, or certificate of deposit account with us today. Accounts designed with you in mind.
Find a Branch
Get to know your local team by visiting one of our branches. We’re proud to serve Middle and East Tennessee.
Have Questions?
Have a question or want to know more about our services? Contact us and we’ll be happy to assist you.
Terms & Disclosures
*APY=Annual Percentage Yield.
1Rewards Checking: $50 minimum to open. If enrolled in eStatements, a reward of $0.10 will be credited to your account on the 1st business day of each month for each qualifying point-of-sale or online debit card transaction of $1.00 or more. Rewards are credited on the first business day of each month. Unlimited check writing is subject to available funds. Fees may reduce earnings. Some fees and restrictions apply. Please see the Fee Schedule or speak with your local banker for a full list of fees that may apply.
Fees: $3 paper statement fee is waived with a daily average account balance of $1,200 or a daily average relationship balance of $10,000. A Non-Activity Fee of $2.95 will be charged for any statement cycle during which the average daily balance is $300 or less and there is no consumer-initiated credit or debit activity.
250x national average based on FDIC National Deposit Rates, accurate as of 1/3/23.
3Bonus Rate Checking: *APY=Annual Percentage Yield. Rates are accurate as of 1/3/23 and are subject to change after account opening. $50 minimum to open. To earn the bonus rate, each statement cycle the account must be enrolled in eStatements and post and settle at least 15 qualifying debit card transactions of $1 or more. If all qualifications are met during the statement cycle, the account will earn a 2.01% APY on balances up to $20,000 and 0.20% APY on balances over $20,000. If bonus qualifications are not met during the statement cycle, the account will earn 0.05% APY. This is a variable-tiered rate account. Interest is earned on daily collected balances of $0 and above and is credited monthly. Unlimited check writing is subject to available funds. Qualifying transactions include point-of-sale or online purchases using the SouthEast Bank debit card. ATM and cash-only transactions do not qualify toward the minimum debit card transaction amount. Fees may reduce earnings. Some fees and restrictions apply. Please see the Fee Schedule or speak with your local banker for a full list of fees that may apply.
Fees: $3 Paper Statement fee waived with a daily average account balance of $1,200 or a daily average relationship balance of $10,000.
4Bonus Rate Savings: *APY=Annual Percentage Yield. Rates are accurate as of 1/3/23 and are subject to change after account opening. $50 minimum to open. To earn the bonus rate, the account holder must have a SouthEast Bank checking account with the Round Up feature, enroll the Bonus Rate Savings account in eStatements, and post and settle at least 15 round up debit card transactions during the statement cycle from any personal SouthEast Bank checking account. This is a variable rate tiered account. If all qualifications are met during the statement cycle, 2.01% APY will be applied on the balances up to $10,000, and 0.20% APY will be applied on balances over $10,000. If bonus qualifications are not met during the statement cycle, the account will earn 0.05% APY. Limit one Bonus Rate Savings account per primary owner tax ID. Fees may reduce earnings. Some fees and restrictions apply. Please see the Fee Schedule or speak with your local banker for a full list of fees that may apply.
Fees: $3 paper statement fee waived when enrolled in eStatements or with a daily average account balance of $1,200 or a daily average relationship balance of $10,000; Unlimited withdrawals at teller window or ATM and 6 pre-authorized withdrawals per statement cycle at no charge, including checks, ACH debits and online banking transfers; $3 fee for each withdrawal thereafter.
5Premium Interest Checking: *APY=Annual Percentage Yield. Rates are accurate as of 1/3/23 and are subject to change after account opening. $50 minimum to open. Interest is earned on daily collected balances of $0 and above and is credited monthly. This is a tiered-rate account that earns higher interest based on higher balances. Fees may reduce earnings. Some fees and restrictions apply. Unlimited check writing is subject to available funds. Please see the Fee Schedule or speak with your local banker for a full list of fees that may apply.
Fees: $10 monthly service fee can be waived with a minimum daily balance of $2,500.
612-Month CD Special: *APY=Annual Percentage Yield. Rates are accurate as of 1/3/23 and are subject to change. $1,000 minimum to open. Limited-time offer. The interest rate for the 12-month CD Special is 3.95% with a corresponding APY of 4.01%. The APY assumes interest remains on deposit until maturity. Penalty for early withdrawal. Promotional CDs are NOT eligible for interest checks. Any withdrawal of principal or interest during the term of the account will reduce earnings. Interest for the account will be compounded and credited quarterly. Interest begins to accrue on the business day of the deposit of any noncash item (for example, checks). Fees may reduce earnings. Please see an associate or call 1-844-732-2657 for additional details.