Health Savings Account (HSA)

Health Savings Account (HSA): $50 minimum to open. The account owner must participate in a high-deductible insurance plan, and annual limits apply. Funds are accessible by debit card only. Unlimited withdrawals are subject to available funds and for qualified health expenses. Interest is calculated based on total daily balances and credited quarterly. This is a variable-rate account. Rates are subject to change after account opening. Fees may reduce earnings. Some fees and restrictions apply. Consult your tax professional for eligibility requirements.

Fees: $2.50 service fee per quarter. Please see the Fee Schedule or speak with your local banker for a full list of fees that may apply.

Mobile Alerts: Standard text messaging rates may apply.

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

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. 

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.

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

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.