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Terms 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 9-1-2022 . Rates are variable and subject to change after account opening.

Earn up to 2.01% APY*

On balances up to $20,000

How to Earn

$50 minimum to open

Fund online in minutes to start earning

Other Benefits

Mobile Banking Toolkit

All the tools you need to bank online

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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


Open Account



Mobile Banking Toolkit

Contactless, but not out of touch. See why you can bank with SouthEast Bank with ease, wherever you are.

Transfer funds and schedule bill payments

Pay from your phone with Apple Pay®, Samsung Pay® and Google Pay®

Track your budget and spending with built-in tools

Stay secure with SouthEast Verifi fraud protection

Enjoy extended customer care center hours

Mobile Deposit

Depositing checks has never been easier. With this digital banking feature, you can use your mobile device to deposit checks anytime, from anywhere, using your smartphone.


Mobile Alerts

Receive real-time updates when changes are made to your account. With our mobile app, you can choose to receive alerts to your phone or email for account balances, transfers, login attempts and more!*


Budgeting and Spending Tools

Automatically track and categorize your purchases to learn how, when and where you spend. Then, set monthly budgeting goals in categories like "Bills & Utilities" and "Food & Dining" to monitor your progress.


Automatic Bill Payment

Schedule your bill payments ahead of time so you never have to worry about missing a payment. Plus, track your scheduled payments in your digital budgeting tool!


Stay in Sync

Sync your Apple Watch with your iPhone to get account balances, pay bills, transfer funds and more, all without having to log into your mobile banking app. 



Save time and paper by enrolling in eStatements. Receive email updates when your monthly account statements are available and view them from your computer or mobile device anytime.



Features That Check All The Boxes

We've made sure to include all the features you need to make Bonus Rate Checking your all-in-one checking account.


No Minimum Monthly Balance

Paper statement fee of $3 waived with eStatements

Access ATMs Worldwide

Manage your funds at 55,000+ AllPoint Network ATMs

Instant-Issue Debit Cards

Easily replace lost or stolen debit cards

Unlimited Check Writing

Order checks online in minutes

SouthEast Verifi Fraud Protection

24/7 fraud protection and text alerts

FDIC Insured Bank

Your funds are safe and secure with SouthEast Bank

Ready to find out why SouthEast Bank is Good to Know?

Open Account