Individual Retirement Accounts: Terms from 30 days to 60 months. Please note that IRA withdrawals prior to age 59 ½ may be subject to a 10% penalty. $500 minimum deposit. SouthEast Bank, its affiliates, and the directors, officers, employees, and agents of SouthEast Bank and its affiliates are not permitted to provide legal or tax advice. Please consult with your legal and tax advisors before entering into any financial transaction.

Bonus: Offer available to new personal checking customers who open a Rewards Checking account or Bonus Rate Checking account by April 30, 2026, and meet all requirements. Limit one promotional offer per customer. Offers cannot be combined. Primary address must be in Tennessee and account holder(s) must be a U.S. citizen or permanent resident alien.

New Customer: A new personal checking customer is defined as an individual who has not held a SouthEast Bank personal checking account within the past 12 months.

All qualifications must be met within sixty (60) days of account opening. The bonus will be credited to the account within thirty (30) days of meeting all qualifications. This bonus offer cannot be applied to the account retroactively. 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.

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 transaction of $10.00 or more that posts and settles during the statement cycle. Check writing is subject to available funds. Fees may reduce earnings. Some fees apply. 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.

Bonus Rate Checking: APY=Annual Percentage Yield. Rates are accurate as of 2/01/26 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 purchase transactions of $1 or more. If all qualifications are met during the statement cycle, the account will earn a 3.55% 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 3.55% 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. Please see the Fee Schedule or speak with your local banker for a full list of fees that may apply. Fees may reduce earnings.