Personal Checking
Accounts created with you in mind
All Personal Checking Accounts Include:
$50 Minimum to Open
Open your preferred account with as little as $50.
Digital Banking Options
From mobile deposits to bill pay, we've got you covered.
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Explore Our Checking Accounts
Bonus Rate Checking
Our highest interest-bearing account, earning up to 2.01% APY* on balances up to $20,000.
Highlights:
- Earn up to 2.01% APY* on balances up to $20,000
- No minimum balance requirements
- No monthly service charge
- Unlimited check writing
Miscellaneous Fees:**
- $3 paper statement fee - waived when enrolled in eStatements
Account Details
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 5-2-2022 and are variable and subject to change after account opening. Limited to one account per primary owner tax ID.
*APY = Annual Percentage Yield
**Please see the Fee Schedule or speak with your local banker for a full list of fees that may apply.
Rewards Checking
Earn cash rewards for your qualifying debit card purchases with Rewards Checking.
Highlights:
- 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
Miscellaneous 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
Account Details
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 5-2-2022 .
*Please see the Fee Schedule or speak with your local banker for a full list of fees that may apply.
Premium Interest Checking
Watch your earnings grow as your account balance grows with tiered interest rates.
Highlights:
- Earn more as your balance grows with tiered interest rates:
- $0 - $9,999.99 = 0.05% APY *
- $10,000 - $49,999.99 = 0.10% APY *
- $50,000 - $99,999.99 = 0.15% APY *
- $100,000 - $249,999.99 = 0.20% APY *
- $250,000+ = 0.30% APY *
- Unlimited check writing
Service Fee:**
- $10 month - waived with a minimum daily balance of $2,500
Account Details
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 5-2-2022 . 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.
*APY= Annual Percentage Yield.
**Please see the Fee Schedule or speak with your local banker for a full list of fees that may apply.
EDU Checking
Free checking designed for students aged 13-24 looking to earn $.10 on qualifying debit card transactions.
Highlights:
- Receive $.10 cashback rewards for qualifying debit card transactions
- Access direct deposits up to three days sooner with Accelerate
- No minimum balance requirements
- No monthly service charge
- Unlimited check writing
Account Details
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. Customers over age 25 will be notified and moved into a Rewards Checking product. No monthly service fee will be assessed for account holders age 13 – 24 (e-statement required). Overdraft/Returned item fees may apply. Unlimited check writing is subject to available funds. Please see the full Fee Schedule for any other fees that may be imposed in connection with this account. Visit southeastbank.com or ask an associate for complete details.
Thrive Checking
Simple checking with benefits made specially for customers ages 60+.
Highlights:
- 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
Account Details
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.
Extended Customer Care Hours for Your Convenience
Have questions about your account? We'd love to help! You can reach us at 1-844-SEBANKS (2657), during our extended Customer Care hours:
- Monday - Friday: 7 a.m. - 7 p.m. EST
- Saturday: 9 a.m. - 1 p.m. EST
Click below to contact our Customer Care team now.
Personal Savings Accounts
Why stop with a checking account? Visit our Personal Savings page to see how you can get more for your money.
CD Specials
Looking for more ways to achieve your financial goals? Click below to explore our latest CD Specials.
Credit & Debit Cards
We aim to make swiping simple and secure. Check out our credit and debit card options at the link below.