Personal Checking Accounts

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 debit card purchase of $10.00 or more that posts and settles during the statement cycle. Unlimited check writing and unlimited withdrawals are subject to available funds. Fees may reduce earnings. 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. 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 for 31 days. Please see the Fee Schedule or speak with your local banker for a full list of fees that may apply.

47x national average based on FDIC National Deposit Rates, accurate as of 4/20/26.

Bonus Rate Checking: *APY=Annual Percentage Yield. Rates are accurate as of 5/1/26 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 debit card purchases of $1 or more. If all qualifications are met during the statement cycle, the account will earn a 3.30% 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 APY for this tier will range from 3.30% to 0.47%, depending on the balance in the account. If bonus qualifications are not met during the statement cycle, the account will earn 0.05% APY. 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. Unlimited check writing and unlimited withdrawals are 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 may reduce earnings. 

Bonus Rate Savings: *APY=Annual Percentage Yield. Rates are accurate as of 5/1/26 and are subject to change after account opening. $50 minimum to open. To earn the bonus rate, each statement cycle the account holder must have a SouthEast Bank checking account with the Round Up feature, enroll and maintain the Bonus Rate Savings account in eStatements, and post and settle at least 15 debit card purchases during the statement cycle from any personal SouthEast Bank checking account. If all qualifications are met during the statement cycle, the account will earn a 2.01% APY on balances of $10,000 or less. An interest rate of 0.20% will be paid on the portion of your daily balance that is greater than $10,000. The APY for this tier will range from​ 2.01% to 0.27%, depending on the balance in the account. 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 account holder tax ID. A $3 paper statement fee is 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 check writing and unlimited withdrawals are subject to available funds. Fees may reduce earnings. Please see the Fee Schedule or speak with your local banker for a full list of fees that may apply.

Round Up Savings: Upon enrollment in Round Up Savings, SouthEast Bank will round up your debit card purchases of $1 or more to the nearest dollar and transfer the difference from your SouthEast Bank checking account to your designated SouthEast Bank savings account. All debit cards connected to the checking account will round up to your savings account. You must be a primary owner on each checking and savings account that you enroll. Round-up amounts will be transferred separately throughout the day.

Premium Interest Checking: *APY=Annual Percentage Yield. Rates are accurate as of 5/1/26 and are subject to change after account opening. $50 minimum to open. Interest is earned on daily balances above $0 and is credited monthly. This is a tiered-rate account that earns higher interest based on higher balances. Fees may reduce earnings. $10 monthly service fee is waived with a minimum daily balance of $2,500. Unlimited check writing and unlimited withdrawals are subject to available funds. Please see the Fee Schedule or speak with your local banker for a full list of fees that may apply.

Thrive Checking: $50 minimum to open. Available to customers ages 60+. No monthly service charge. Additional benefits at no charge include personal Safety Paper checks (other check styles will have a charge), up to nine (9) official checks per month, and paper statements with images. Active Thrive Checking account holders can receive a $25 safe deposit box annual rental credit. Active Thrive Checking account holders can receive a 10-basis point rate increase on newly opened CDs and existing CDs if renewed during maturity. An Active Thrive account is defined as having received one direct deposit and one debit (check, ACH debit, or debit card) from the account in the past 60 days. Fees: Please see the Fee Schedule or speak with your local banker for a full list of fees that may apply.

Accelerate: Accelerate is a feature where we make funds from any direct deposit available to you up to three days prior to our actual receipt of the funds. This feature is provided only on our Rewards and Thrive Checking accounts. No additional qualifications must be met aside from having one of these account types. There is no fee for Accelerate. If funds have been made available to you and we do not receive credit of the funds from the party originating, you will be liable for the amount of the deposit. You agree that your account will be debited for the full amount of the direct deposit without prior notice to you, even if this results in an overdraft or negative balance. We provide the Accelerate feature as a courtesy service to you and may revoke, suspend, or modify the service at any time.