SouthEast Bank of Decatur, TN

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.

Offer available to new customers who open a Bonus Rate Checking and Bonus Rate Savings account by August 31, 2025, and meet requirements.   

New customers can earn $200 by meeting all requirements:  

- Open a Bonus Rate Checking account with SouthEast Bank by using promo code “CHECK200” or mentioning this promo-in branch and: 

- Make deposit(s) totaling at least $4,000 in new money within 30 days of account opening and thereafter maintain a daily balance of at least $4,000 until the 60th day after account opening.    

New customers can earn an additional $100 by meeting all requirements: 

- Open a Bonus Rate Savings account with SouthEast Bank the same business day as a new Bonus Rate Checking account, using promo code “SAVE100” or mentioning this promo-in branch, and:  

- Make deposit(s) totaling at least $1,000 in new money within 30 days of account opening and thereafter maintain a daily balance of at least $1,000 until the 60th day after account opening.    

New Customer: This offer is eligible to new customers of SouthEast Bank. A new customer is defined as an individual that has not held a SouthEast Bank checking or savings account within the past 12 months. Must use promo code online or mention this offer in-branch to be eligible. In order to earn a cash bonus, customers must open their Bonus Rate Checking and Bonus Rate Savings account before August 31, 2025.  

The bonus(es) will be credited to the account within thirty (30) days of meeting all qualifications. This bonus offer cannot be applied to the account retroactively or combined with any other offer. 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 07/01/25 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 3.75% 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 3.75% to 0.48%, 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. 

Bonus Rate Savings: *APY=Annual Percentage Yield. Rates are accurate as of 07/01/25 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. 

New Business Customer: This offer is eligible to new business customers of SouthEast Bank. A new business customer is defined as a business that has not held a SouthEast Bank checking or savings account within the past 12 months. Must mention this offer in-branch to be eligible. In order to earn a cash bonus, the business must open their Core Business Checking account before August 30, 2025.

The minimum deposit to open a SouthEast Bank business checking account is $50, but you must meet the qualification requirements for the $400 bonus described below.

New business customers can earn $400 by meeting all requirements:

• Open a Core Business Checking account with SouthEast Bank and:
  • Make deposit(s) totaling at least $5,000 in new money within 30 days of account opening and thereafter maintain a daily balance of at least $5,000 until the 60th day after account opening.
  • New money is considered money that is new to SouthEast Bank. Funds must come from outside SouthEast Bank and cannot be transferred from another SouthEast Bank product or a SouthEast Bank Affiliate. Checking account fees (e.g., monthly maintenance, paper statement fee, etc.) could reduce the qualifying daily balance, therefore you must make deposit(s) to cover the fees to maintain the daily balance during the qualifying period to be awarded the bonus. Please see the Fee Schedule or speak with your local banker for a full list of fees that may apply.

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 or combined with any other offer. 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.