SouthEast Bank

9-Month CD Special: *APY=Annual Percentage Yield. Rates are accurate as of 12/01/23 and are subject to change. $1,000 minimum to open. Limited-time offer. The interest rate for the 9-Month CD Special is 5.39% with a corresponding APY of 5.50%. The promotional rate is only valid during the initial term and does not apply to any renewals of this CD. There is no minimum balance to earn the APY. 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.

Rewards 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 $10.00 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.

57x national average based on FDIC National Deposit Rates, accurate as of 10/16/23.

Bonus Rate Checking: *APY=Annual Percentage Yield. Rates are accurate as of 12/01/23 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 4.01% 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 compounded and credited monthly. If the account is closed before interest is credited, you will receive accrued interest. Interest begins to accrue on the business day non-cash items are deposited. 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.

Bonus Rate Savings: *APY=Annual Percentage Yield. Rates are accurate as of 12/01/23 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.

Premium Interest Checking: *APY=Annual Percentage Yield. Rates are accurate as of 12/01/23 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.

Accelerate: Accelerate is a feature included on Rewards Checking, EDU Checking, and Thrive Checking accounts. Deposits are posted on the day that SouthEast Bank is notified of the incoming ACH deposit, which may be up to three days early. Early deposit is not guaranteed.

(1) Refer a Friend Program: Limit one gift card per referral. Offer available to current SouthEast Bank customers that refer new business or personal customers to SouthEast Bank. The new and referring customer will receive (1) $50 gift card for each personal customer referral and (1) $100 gift card for each business customer referral. A new customer is defined as an individual or business that has not held any SouthEast Bank accounts within the past six months. The new customer is required to register online at www.tellyourfriendsrewards.com/southeastbank (or present a referral card at account opening), open an account within 90 days of registration, enroll in eStatements, and complete at least 5 debit card transactions within 90 days of account opening. The minimum balance required to open the account and obtain the bonus is $50. Annual Percentage Yield will vary and be based on deposit account chosen. An example of APY as of 12/01/23 is 0.00% – 2.01% APY. See Rate and Fee Schedule for further information. Rates are subject to change. Fees may reduce earnings. Offer is subject to change without notice. Associates of SouthEast Bank Corporation are not eligible. Taxes are the sole responsibility of the recipient.

Important Privacy Notice: By participating in the SouthEast Bank Referral Program, you agree that the referrer may be aware that you opened an account upon receipt of bonus.