Personal Checking
SouthEast Bank has a variety of checking and savings accounts that provide you great value. Whether you prefer to write a check, swipe a card, or click a mouse, SouthEast Bank will help you choose an account that allows you to bank your way.
Checking
All SouthEast Bank personal checking accounts include:
Online Banking with Bill Pay and E-Statements
Mobile Banking and Mobile Deposit
SouthEast Bank Debit Card
SouthEast Verifi Fraud Protection and Alerts
Free Access to Over 55,000 Allpoint Network ATMs Worldwide
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Rewards Checking
Best Solution For
earning cash rewards in your account for debit purchases
Description
receive a reward of $.10 credited to your account for each qualifying SouthEast debit card transaction
Service Charge
$2.95 non-activity fee will apply to accounts with balances less than $300 each month in which no credit or debit transactions occur
Minimum to Open
$100
Additional Details
- unlimited check writing
- no minimum monthly balance
- minimum of 15 qualifying debit card transactions required each month to earn rewards
- $3 paper statement fee waived with a monthly average balance of $1,200
Terms and Conditions
A minimum of 15 SouthEast debit card transactions must post and clear to the account during the Rewards Period and enrollment in monthly eStatements is required. Qualifying transactions include point of sale or online purchases 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. Cash back rewards can alternately be deposited to another SouthEast Bank checking or savings account. Regardless of the statement cycle, cash back rewards will be paid (credited to the account) on the 1st business day of each month.
A $2.95 non-activity fee will apply to accounts with balances less than $300 each month in which no credit or debit transactions occur.
There will be a paper statement fee of $3 assessed if not enrolled in eStatements; paper statement fee will be waived with a monthly average balance of $1,200.
Fees may reduce earnings. Some fees and restrictions apply. Visit southeastbank.com or ask an associate for complete details.
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Bonus Rate Checking
Best Solution for
earning our highest checking interest rate on balances up to $20,000
Description
earn a 2.01% APY* monthly bonus rate on balances up to $20,000 when you receive a direct deposit or ACH, enroll in eStatements, and make at least 15 qualifying debit card transactions
Service Charge
paper statement fee of $3 assessed if not enrolled in eStatements; paper statement fee will be waived with a monthly average balance of $1,200
Minimum to Open
$100
Additional Details:
- no minimum monthly balance
- unlimited check writing
Terms and Conditions:
To earn the bonus rate, each month the account must be enrolled in eStatements, post and clear at least 15 debit card transactions, and receive at least one direct deposit or ACH debit. If all qualifications are met during the statement cycle, a bonus rate of 2.01% APY on balances of up to $20,000 and .20% APY on balances over $20,000 will be credited. If bonus qualifications are not met during the statement cycle, a rate of .05% APY of the balance will be credited. Interest earnings are based on daily collected balances and are credited monthly to the account. Qualifying transactions include point of sale or online purchases using the SouthEast Bank debit card. ATM and cash-only transactions do not qualify towards minimum debit card transaction amount. Limit one Bonus Rate Checking account per primary owner tax ID.
*APY= annual percentage yield. Rates subject to change. APYs are accurate as of 03/23/2020. Fees may reduce earnings. Some Fees and restrictions apply.
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Premium Interest Checking
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Thrive Senior Checking
Best Solution for
Simple checking for valued senior customers*
Description
Senior checking account available to customers who are 60 years old and older.
Service Charge
No monthly service charge
Minimum to Open
$100
Additional Details:
- Free checks*
- Free paper statements with images*
- Free official checks*
- Bounce protection up to $300*
- $25 safe deposit box credit
- Additional .10% interest rate bump on CD specials1
- No minimum monthly balance
Terms and Conditions:
*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. An insufficient funds fee will be charged for items overdrawing the account, but bounce protection will pay any overdrafts up to $300.
1Thrive checking account holder can receive 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.
- Money Market Deposit Accounts
- Special Promotions
- Certificates of Deposit
- Individual Retirement Accounts
If you only conduct a few transactions per month, a money market account earns higher interest rates than a savings account while allowing easier access to funds than a CD.
If you want to earn a higher rate of return, yet have easy access to your money, take advantage of this interest-bearing account with near-CD rates.
Opening Deposit – $2,500
Interest Earnings – Interest is earned on the entire collected balance in your account and is credited monthly. This is a tiered rate account that earns higher interest based on higher balances. Interest rates may reprice with the market.
- $0 - $2,499
- $2,500 - $9,999
- $10,000-$49,999
- $50,000 - $99,999
- $100,000 - $249,999
- $250,000 +
Anytime Access – You can withdraw your money any time at any SouthEast Bank branch or ATM, or at any Pulse or Plus machine. You can even write a check! (There may be a fee for using non-SouthEast Bank ATMs.)
Withdrawals – Up to six free pre-authorized transactions or checks are allowed per month. $10 for each withdrawal over the six pre-authorized withdrawals allowed.
Fees – No fees when maintaining a minimum daily balance of $2,500.
Monthly Statements
To open, please visit a SouthEast Bank branch.
Visit your local SouthEast Bank Branch to learn about special in-branch promotions.
When you work hard for your money, there's nothing more rewarding than making your money work hard for you. SouthEast Bank CDs earn very competitive rates of return. If you want a guaranteed, higher-than-average interest rate, check into a SouthEast Bank CD.
- Minimum Investment – $1,000
- CDs - from 30 days to 60 months
- Rates – Interest rates vary according to investment amount and term; rates subject to change
- Access to Interest Earnings – Receive your interest by ACH - monthly, quarterly, semi-annually or annually — as well as by direct deposit into any SouthEast Bank account
- Automatic Renewal – Available on select CDs; renewal options sent by mail allow you to renew your CD at the new rate without a trip to the bank
- Fees – A penalty will be imposed for early withdrawals
- Minimum balance to obtain advertised annual percentage yield - $1,000
To open, please visit a SouthEast Bank branch.
Save for your future with this tax-deferred retirement account ... and take advantage of new higher contribution limits.
- Minimum Investment – $500
- Rates – Interest rates vary according to investment amount and term; rates change weekly
- Access to Account – Deposits can be added at any time
- Fees – Early withdrawals subject to interest and tax penalties