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
$0 if monthly account balance is over $300, or at least one credit or debit transaction occurs*
Minimum to Open
$50
Additional Details
- Unlimited check writing
- No minimum monthly balance with monthly credit or debit transactions*
- $3 paper statement fee waived with a monthly average balance of $1,200
Terms and Conditions
*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.
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. Unlimited check writing is subject to available funds. $3 paper statement fee is waived with a daily average account balance of $1,200 or a daily average relationship balance of $10,000 . Fees may reduce earnings. Some fees and restrictions apply. Visit southeastbank.com or ask an associate for complete details. -
Bonus Rate Checking
Best Solution for
Earning our highest yield of 2.01% APY* on balances up to $20,000
Description
Earn a 2.01% APY* monthly bonus rate on balances up to $20,000 when you 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
$50
Additional Details:
- No minimum monthly balance
- Unlimited check writing
Terms and Conditions:
*APY=Annual Percentage Yield
To earn the bonus rate, each statement cycle the account must be enrolled in eStatements and post and settle at least 15 qualifying debit card transactions of $1 or more. If all qualifications are met during the statement cycle, the account will earn a 2.01% APY on balances up to $20,000 and .20% APY on balances over $20,000. If bonus qualifications are not met during the statement cycle, the account will earn .05% APY. 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. Unlimited check writing is subject to available funds. $3.00 Paper Statement fee applies if account is not enrolled in e-statements each statement cycle. Fees may reduce earnings. Some fees and restrictions apply. Visit southeastbank.com or ask an associate for complete details. Rates are accurate as of 7-1-2021 . Rates are variable and subject to change after account opening. -
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
$50
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.
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.
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EDU Checking
Best Solution For
Students aged 13-24 looking to earn $0.10 a swipe on debit card transactions while enjoying a free checking account.
Description
Receive a reward of $.10 credited to your account for each qualifying SouthEast debit card transaction
Service Charge
No monthly service fees*. (e-statement required)
Minimum to Open
$50
Additional Details
- No monthly service fee will be assessed for account holders age 13 – 24. (e-statement required)
- CashBack Rewards · When the Eligibility Requirements described below are met, the account will receive CashBack Rewards on Qualifying Transactions in the following amount: ten cents ($0.10) per SouthEast Debit Card point-of-sale transaction that posts to and clears the account during the Reward Period.
Terms and Conditions:
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. Only one account per customer. Please see the full Fee Schedule for any other fees that may be imposed in connection with this 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 variable rate tiered rate account that earns higher interest based on higher balances. Interest rates may reprice with the market. Rates are accurate as of 7-1-2021 .
- $0 - $9,999.99 = 0.05% APY*
- $10,000 - $49,999.99 = 0.05% APY*
- $50,000 - $99,999.99 = 0.10% APY*
- $100,000 - $249,999.99 = 0.15% APY*
- $250,000+ = 0.20% APY*
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. $6 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