$200 Bonus Terms and Conditions: You must use promo code “BRC200” when opening the account online or mention this promo code in-branch in order to earn the bonus. The Bonus Rate Checking account must be opened by July 31, 2024, in order to receive the $200 bonus. The minimum deposit to open a Bonus Rate Checking account and receive the $200 bonus is $50. Customers are eligible to receive this bonus if their primary address is in Tennessee and have not had an open personal checking or personal savings account with SouthEast Bank in the last 12 months. This offer is limited to one new customer per immediate family (immediate family is defined as a parent, legal guardian, spouse, or children under the age of 18). Only one offer per new account. All checking accounts are subject to approval. In order to earn the bonus, following account opening, you must:

• Make one or more direct deposits totaling $1000 or more each statement cycle for (6) consecutive full statement cycles
• Enroll the checking account in eStatements and continue receiving eStatements for (6) consecutive full statement cycles
• Make 15 purchases of $1 or more using your debit card within each statement cycle for (6) consecutive full statement cycles (transactions must post & settle within each statement cycle)
• Keep the account in good standing for at least 180 days after opening the account. For the purposes of this promotion, accounts will qualify as "in good standing" if they remain open and maintain a positive balance for the duration of the promotional period.

The bonus will be credited to the account within five (5) business days of meeting all qualifications. This bonus offer cannot be applied to the account retroactively or combined with any other offer. SouthEast Bank reserves the right, in its sole discretion, to cancel, terminate, modify, or suspend the promotion with or without cause. Taxes on bonus-related earnings will be the sole responsibility of the account holder.

Bonus Rate Checking: APY=Annual Percentage Yield. Rates are accurate as of 4/1/25 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 3.75% APY on balances of $20,000 or less. An interest rate of 0.20% will be paid only for that portion of your daily balance that is greater than $20,000. The annual percentage yield for this tier will range from 3.75% to 0.51%, depending on the balance in the account. If bonus qualifications are not met during the statement cycle, the account will earn 0.05% APY. 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. Limit one Bonus Rate Checking account per primary account holder tax ID. A $3 Paper Statement fee is waived by enrolling and receiving eStatements or having a daily average account balance of $1,200 or a daily average relationship balance of $10,000. Please see the Fee Schedule or speak with your local banker for a full list of fees that may apply. Fees may reduce earnings.