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  • SouthEast Bank

    Checking Accounts

    Checking accounts that take you further. From interest-bearing accounts to cash-back rewards, we're certain there's a great fit for you. Browse our best checking accounts offered online and in-branch.

 

Bonus Rate Checking(1)

Best for frequent debit card users who want to earn up to 50x the national average for interest-bearing checking.(2)

(View Terms, Conditions & Fees)

  • Earn up to 2.01% APY* on balances up to $20,000
  • No minimum balance requirements
  • No monthly service charge
  • Unlimited check writing
  • Pair with Bonus Rate Savings and earn up to 2.01% APY* on savings up to $10,000
  • $50 minimum to open
  • *Limit of one Bonus Rate Checking account per primary owner tax ID
Learn More Open Account

 

Rewards Checking(3)

Best for earning cashback rewards on debit card purchases.

(View Terms, Conditions & Fees)

  • Receive $.10 cashback rewards for qualifying debit card transactions
  • Access direct deposits up to three days sooner with Accelerate
  • No minimum balance requirements with monthly credit or debit transactions
  • Unlimited check writing
  • $50 minimum to open
Learn More Open Account

 

Premium Interest Checking(4)

Best for earning interest on large account balances.

(View Terms, Conditions & Fees)

  • Earn more as your balance grows with tiered interest rates:
    • $0 - $9,999.99 = 0.10% APY*
    • $10,000 - $49,999.99 = 0.15% APY*
    • $50,000 - $99,999.99 = 0.50% APY*
    • $100,000 - $249,999.99 = 0.70% APY*
    • $250,000+ = 1.00% APY*
  • Unlimited check writing
  • $50 minimum to open
Learn More Open Account

 

Thrive Checking(5)

Best for simple checking for those age 60 and older.

(View Terms, Conditions & Fees)

  • Free checks, paper statements with images and official checks
  • Additional .10% interest rate bump on CD specials (see account details)
  • $25 safe deposit box credit
  • Access direct deposits up to three days sooner with Accelerate
  • No minimum balance requirements
  • No monthly service charge
  • $50 minimum to open
Learn More Find a Branch

 

EDU Checking(6)

Best for students aged 13-24 who want cashback rewards for debit card purchases.

(View Terms, Conditions & Fees)

  • Receive $.10 cashback rewards for qualifying debit card transactions6
  • No monthly service charge when enrolled in eStatements
  • No minimum monthly balance
  • $50 minimum to open
Learn More Find a Branch

 

 

Checking Account Terms and Conditions

Truth in Savings for Checking Accounts

 

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

Digital Wallet with Apple Pay®, Samsung Pay® and Google Pay®

Handy Budgeting and Spending Tools

SouthEast Verifi Fraud Protection and Alerts

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. Paying bills through your SouthEast Bank mobile app also enables you to track these payments in your monthly 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. 


 

eStatements

Access your monthly account statements in a secure, convenient and environmentally-friendly way. Receive email updates when your statements are available and view them from your computer or mobile device anytime.

 

 

Features That Check All The Boxes

 

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

Find Out Why SouthEast Bank is Good to Know.

Open Account

*APY=Annual Percentage Yield. Rates accurate as of 10-13-2022 .

1Bonus Rate Checking:

Each statement cycle, the account must be enrolled into eStatements and post and settle at least 15 qualifying debit card transactions (point of sale or online purchases) of $1 or more to earn the bonus rate of 2.01% APY for balances up to $20,000 (.20% APY on balances over $20,000). Otherwise, the account will earn .05% APY.

Some fees, which may reduce earnings, and restrictions apply. $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. Unlimited check writing is subject to available funds. Rates are accurate as of 10-13-2022 and are variable and subject to change after account opening. Limited to one account per primary owner tax ID.

Fees: $3 paper statement fee - waived when enrolled in eStatements. 

250x national average based FDIC National Rates and Rate Caps, accurate as of 10-21-2022.

3Rewards Checking:

If enrolled in eStatements, a reward of $0.10 will be credited to your account on the 1st business day of each month for any qualifying debit card transaction (point of sale or online purchases) of $1 or more. Regardless of statement cycle, the Rewards Period begins on the first calendar day of the month and ends on the last business day of the month. $3 paper statement fee is waived with a daily average account balance of $1,200 or a daily average relationship balance of $10,000. Some fees, which may reduce earnings, and restrictions apply. Unlimited check writing is subject to available funds. Rates are accurate as of 10-13-2022 .

Fees: $2.95 non-activity fee - waived if the monthly account balance is over $300, or at least one credit or debit transaction occurs; $3 paper statement fee - waived when enrolled in eStatements

4Premium Interest Checking:

Interest is earned on daily collected balances of $0 and above and is credited monthly to the account. This is a tiered rate account that earns higher interest based on higher balances. Interest rates may reprice with the market. Rates are subject to change after account opening. APYs are accurate as of 10-13-2022 . Fees may reduce earnings. Some fees and restrictions apply. Unlimited check writing is subject to available funds. Visit southeastbank.com or ask an associate for complete details.

Fees: $10 month - waived with a minimum daily balance of $2,500

5Thrive Checking:

The Thrive checking account is available to customers who are 60 years old and older. There is no monthly service charge with this account. The free checks are safety paper checks. The free official checks are limited to 9 per month. Visit southeastbank.com or ask an associate for complete details.

Thrive checking account holders can receive a 10 basis point increase on newly opened CD Special rates (see associate for CD Special offers) if the Thrive checking account receives a monthly direct deposit as well as one monthly debit (check or debit card) from the account.

6EDU Checking:

Enrollment in monthly eStatements is required to earn the $.10 debit card rewards. Qualifying transactions include point of sale or online purchases of $1 or more using the SouthEast Bank debit card. ATM and cash-only transactions do not qualify for cash back rewards. The Rewards Period begins on the first calendar day after the last business day of the prior month and ends on the last business day of the current calendar month. Regardless of the Statement Cycle, Cash Back Rewards will be paid (credited to the account) on the 1st business day of each month. The primary account holder must be between the ages of 13-24. Customers over age 25 will be notified and moved into a Rewards Checking product. No monthly service fee will be assessed for account holders (e-statement required). Overdraft/Returned item fees may apply. Please see the full Fee Schedule for any other fees that may be imposed in connection with this account.