Get the app


Bonus Rate Checking
Expect More From Your Money

Introducing Bonus Rate Checking1, our highest-earning premium interest checking account offering up to 2.01% APY* on balances up to $20,000. With Bonus Rate Checking, you can be rewarded just for using your checking account as you’re already accustomed – routine debits and eStatements. Even better, there’s no monthly service charge and no minimum monthly balance. How’s that for expecting more from your money?

Open an account online to get started!

bonus rate checking

Up to 2.01% APY*

On balances up to $20,0001

concierge services

$50 Minimum to Open

No monthly service charge if enrolled in estatements

concierge services

No Minimum Monthly Balance

Plus unlimited check writing1

Happy couple bank online

2 Easy Requirements for Our Highest Checking Interest Rate


Enroll in e-statements from SouthEast Bank



Post and settle at least 15 qualifying debit card transactions per month of $1 or more per statement cycle


It's good to know you're covered with SouthEast Bank online banking.

Bill Pay, Mobile Deposits and Peer-to-Peer Payments

FDIC insured bank

FDIC Insurance

SouthEast Bank Debit Card

SouthEast Verifi Fraud Protection and Alerts

customer service

Extended Customer Care Center Hours

Ready to earn over 60x the national average for interest checking?2


Paper statement fee of $3 assessed if not enrolled in eStatements; paper statement fee will be waived with a monthly average balance of $1,200

Frequently Asked Questions

1Terms and Conditions:

APY=Annual Percentage Yield
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 .20% APY on balances over $20,000. If bonus qualifications are not met during the statement cycle, the account will earn .05% APY. Unlimited check writing is subject to available funds. $3.00 Paper Statement fee is waived with a daily average account balance of $1,200 or a daily average relationship balance of $10,000. Qualifying transactions include point of sale or online purchases using the SouthEast Bank debit card. ATM and cash-only transactions do not qualify towards minimum debit card transaction amount. Fees may reduce earnings. Some fees and restrictions apply. Visit or ask an associate for complete details. Rates are accurate as of 12-1-2021 . Rates are variable and subject to change after account opening.

260x the national average for interest checking based on non-jumbo deposits and the weekly rate cap information for the week of Oct. 18, 2021. Learn more: