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Bonus Rate Savings

Best for frequent debit card users who want to earn over 5x the national average(1) for interest-bearing savings.

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Earn over

5x the National Average(1)

National Average Yield:

0.38% APY*

source: fdic.gov

Bonus Rate Savings Yield:

2.01% APY* on balances up to $10,000(2)

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Bonus Rate Savings Highlights

Earn up to 2.01% APY*

On balances up to $10,000(2)

$50 Minimum to Open

Open an account online in minutes

Unlimited Withdrawals

At ATM or teller window (subject to available funds)

Online & Mobile Banking

Manage your account from anywhere

How to Earn 2.01% APY* on Balances Up to $10,000(2)

If you’re a frequent debit card user, Bonus Rate Savings makes it easy to earn over 5x the national average(1) for interest-bearing savings.

Requirements to earn 2.01% APY*:

  • Have or open a SouthEast Bank checking account
  • Enroll and receive account eStatements from SouthEast Bank
  • Post and settle 15 debit card purchases of $1 or more with Round Up Savings(2) enabled within the statement cycle

Best of all, if the requirements aren’t met during a statement cycle, you’ll still earn 0.05% APY*.

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With Online Banking, SouthEast Bank Is Wherever You Are

Take the convenience and security of banking with SouthEast Bank on-the-go with online banking, accessible from your favorite device. Whether you’re at home, traveling with the team, or kicking back on vacation, you can easily transfer money, pay bills, deposit checks, set spending limits, and more. Plus, with built-in features like SouthEast Verifi(3), we’ll help you stay on top of your account security with real-time updates when changes are made.

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Consumer Statement Savings

Best for simple savings that earns interest.(4)

  • Enjoy basic savings with easy access to your funds
  • Earn 0.05% APY* on your balance
  • $50 minimum to open
Learn More

Bonus Rate Checking

Earn over 47x the national average(5) for checking by meeting requirements.

  • Earn up to 3.30% APY* on balances up to $20,000(6)
  • Pair with Bonus Rate Savings(2) and earn up to 2.01% APY* on savings balances up to $10,000
Learn More

Premium Money Market Savings Account

Best for earning interest on larger account balances.(7)

  • Earn more as your balance grows with competitive, tiered interest rates
  • $2,500 minimum to open
Learn More

*APY=Annual Percentage Yield.

Terms & Disclosures

1

5x national average based on FDIC National Deposit Rates, accurate as of 4/20/26.

2

Bonus Rate Savings: *APY=Annual Percentage Yield. Rates are accurate as of 5/1/26 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 purchases 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 check writing and 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 purchases 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. 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.

3

Mobile Alerts: Standard text messaging rates may apply.

4

Consumer Statement Savings: *APY=Annual Percentage Yield. Rates are accurate as of 5/1/26 and are subject to change after account opening. $50 minimum to open. Interest is calculated based on the account's total daily balance and is credited quarterly. Unlimited check writing and unlimited withdrawals are subject to available funds. Fees may reduce earnings. Some fees and restrictions apply.

Fees: $5 service fee per quarter waived with an average daily balance of $100; $3 paper statement fee waived when enrolled in eStatements or with 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.

5

47x national average based on FDIC National Deposit Rates, accurate as of 4/20/26.

6

Bonus Rate Checking: *APY=Annual Percentage Yield. Rates are accurate as of 5/1/26 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 purchases of $1 or more. If all qualifications are met during the statement cycle, the account will earn a 3.30% 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 APY for this tier will range from 3.30% 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. Unlimited check writing and unlimited withdrawals are subject to available funds. Please see the Fee Schedule or speak with your local banker for a full list of fees that may apply. Fees may reduce earnings. 

7

Premium Money Market Savings: *APY=Annual Percentage Yield. Rates are accurate as of 5/1/26 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.