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.

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. 

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.

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.

50x national average based on FDIC National Deposit Rates, accurate as of 10/01/25.

4x national average based on FDIC National Deposit Rates, accurate as of 10/01/25.

Bonus Rate Savings: *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 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 purchase transactions 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 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 purchase transactions 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. Both signature and pin transactions made with debit cards qualify for Round Up Savings. 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.

Round Up Savings: Upon enrollment in Round Up Savings, SouthEast Bank will round up your debit card purchase transactions 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. Both signature and pin transactions made with debit cards qualify for Round Up Savings. 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.

12-Month CD Special: *APY=Annual Percentage Yield. Rates are accurate as of 2/01/26 and are subject to change. $1,000 minimum to open. Limited-time offer. The interest rate for the 12-Month CD Special is 3.76% with a corresponding 3.81% APY. The promotional rate is only valid during the initial term and does not apply to any renewals of this CD. There is no minimum balance to earn the APY. The APY assumes interest remains on deposit until maturity. Penalty for early withdrawal. Promotional CDs are NOT eligible for interest checks. Any withdrawal of principal or interest during the term of the account will reduce earnings. Interest for the account will be compounded and credited quarterly. Interest begins to accrue on the business day of the deposit of any noncash item (for example, checks). Fees may reduce earnings. Please see an associate or call 1-844-732-2657 for additional details.

Premium Money Market Savings: *APY=Annual Percentage Yield. Rates are accurate as of 2/01/26 and are subject to change after account opening. $2,500 minimum to open. Interest is calculated based on the account's total daily balance and is credited monthly. Withdrawals limited to six (6) items per month. Any debited item/transfer applies to this item count. There will be no fee imposed for excessive withdrawals. SouthEast Bank reserves the right to review account activity to determine account abuse in the form of excessive withdrawals. Such withdrawals may result in a conversion to a transaction account. Fees may reduce earnings. Fees: $12 service fee per month waived with a minimum daily balance of $2,500. Please see the Fee Schedule or speak with your local banker for a full list of fees that may apply.