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  • SouthEast Bank

    Savings Accounts

    Browse our best savings accounts offered online and in-branch and start growing your safety net.

 

Bonus Rate Savings(1)

Best for frequent debit card users who want to earn up to 33x the national average for interest-bearing savings.(2)

(View Terms, Conditions & Fees)

  • Earn up to 2.01% APY* on balances up to $10,000
  • Enable Round Up Savings3 automatic next-dollar deposits
  • No monthly service charge
  • Unlimited withdrawals at ATM or teller window
  • $50 minimum to open
  • *To take advantage of the Bonus Rate you must have a SouthEast Bank Checking account. Limit of one Bonus Rate Savings account per primary owner tax ID
Learn More Open Account

 

Personal Savings(4)

Best for simple savings that earns interest.

(View Terms, Conditions & Fees)

  • Enjoy basic savings with easy access to your funds
  • Earn .05% APY* on your balance
  • $50 minimum to open
Find a Branch

 

Money Market Savings(5)

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 = 0.05% 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 *
  • $2,500 minimum to open
Find a Branch

 

Health Savings Account (HSA)(6)

Enjoy the potential to earn tax-free interest while saving ahead for qualified medical expenses.

(View Terms, Conditions & Fees)

  • Tax-advantaged account
  • $50 minimum to open
Find a Branch

 

Milestone Savings(7)

Designed especially to help children ages 17 and under set and achieve financial goals.

(View Terms, Conditions & Fees)

  • No monthly service charge
  • $5 minimum to open
Find a Branch

 

Christmas Club e-Savings(8)

Save ahead for holiday gifts while earning interest on your balance.

(View Terms, Conditions & Fees)

  • No service fee
  • Accepts direct deposit or auto transfers from other SouthEast Bank accounts
  • $5 minimum to open
Find a Branch
 

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

We've made sure to include all the features you need to make Bonus Rate Checking your all-in-one checking account.

 

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 9-1-2022 .

1Bonus Rate Savings:

$50 minimum to open. To earn the bonus rate, the account holder must have a SouthEast Bank checking account with the Round Up feature, enroll the Bonus Rate Savings account in eStatements and post and settle 15 round-up debit card transactions during the statement cycle from any personal SouthEast Bank checking account. This is a variable rate tiered account. If all qualifications are met during the statement cycle, 2.01% APY will be applied on the balances up to $10,000 and .20% APY on balances over $10,000 will be credited. If bonus qualifications are not met during the statement cycle, the account will earn 0.05% APY. Unlimited withdrawals at teller window or ATM and 6 pre-authorized withdrawals per month at no charge, including checks, ACH debits and online banking transfers; $3 fee for each withdrawal thereafter. Fees may reduce earnings. Limit one Bonus Rate Savings account per primary owner tax ID. Rates are variable and subject to change after account opening.

233x national average based FDIC National Rates and Rate Caps, accurate as of 5/11/2022.

3Round Up Savings: Upon enrollment in Round Up Savings, SouthEast Bank will round up your qualifying transactions to the nearest dollar and transfer the difference from your checking account to your designated savings account. Qualifying transactions include point of sale or online purchases using the SouthEast Bank debit card. Both signature and pin transactions made with debit cards qualify for Round Up Savings. ATM and cash-only transactions do not qualify for Round Up Savings. 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. 

*APY=Annual Percentage Yield. Rates accurate as of 9-1-2022 .

Fees: $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. 6 pre-authorized withdrawals per month at no charge, including checks, ACH debits and online banking transfers; $3 fee for each withdrawal thereafter. Please see the Fee Schedule or speak with your local banker for a full list of fees that may apply. 

4Personal Savings:

$50 minimum to open. 6 pre-authorized withdrawals per month at no charge, including checks, ACH debits and online banking transfers; $3 each thereafter; unlimited withdrawals at the teller window or at the ATM. Interest is calculated based on the account's total daily balance and is credited quarterly.

*APY=Annual Percentage Yield. Rates accurate as of 9-1-2022 .

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. 6 pre-authorized withdrawals per month at no charge, including checks, ACH debits and online banking transfers; $3 fee for each withdrawal thereafter. Please see the Fee Schedule or speak with your local banker for a full list of fees that may apply.

5Money Market Savings

$2,500 minimum to open. 6 pre-authorized withdrawals per month at no charge, including checks, ACH debits and online banking transfers; $6 each thereafter; unlimited withdrawals at the teller window or at the ATM. Interest is calculated based on the account's total daily balance and is credited quarterly.

*APY=Annual Percentage Yield. Rates accurate as of 9-1-2022 .

Fees: $12 service fee per month - waived with a minimum daily balance of $2,500. $3 paper statement fee - waived when enrolled in eStatements. 6 pre-authorized withdrawals per month at no charge, including checks, ACH debits and online banking transfers; $6 fee for each withdrawal thereafter. Please see the Fee Schedule or speak with your local banker for a full list of fees that may apply.

6Health 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. Withdrawals are unlimited for qualified health expenses. Interest is calculated based on total daily balances and credited quarterly.

Fees: Please see the Fee Schedule or speak with your local banker for a full list of fees that may apply.

7Milestone Savings:

$5 minimum to open. A joint owner that is at least 18 years of age is required. 6 pre-authorized withdrawals per month at no charge, including checks, ACH debits and online banking transfers; $3 each thereafter; unlimited withdrawals at the teller window or at the ATM. This is a variable rate account and the rate is subject to change after account opening. The primary account holder must be under the age of 18. A joint owner that is at least 18 years of age is required. This account will be converted to a Consumer Statement Savings upon the primary account holder reaching the age of 18. Interest is calculated based on the account's total daily balance and is credited quarterly.

Fees: 6 pre-authorized withdrawals per month at no charge, including checks, ACH debits and online banking transfers; $3 each thereafter; unlimited withdrawals at the teller window or at the ATM. Please see the Fee Schedule or speak with your local banker for a full list of fees that may apply.

8Christmas Club e-Savings:

$5 minimum to open. The Christmas Club e-Savings Account requires the holder to have a SouthEast Bank checking account, which will be credited the Christmas Club e-Savings Account balance at maturity. To be eligible for the e-account rate of 2.00% APY*, only electronic deposits (account transfer, direct deposit, or mobile deposit) will be accepted and requires at least one monthly electronic deposit transaction from date of opening until the account is closed on October 31, 2022. Eligible account holders will receive savings plus interest in November 2022. 2.00% APY* decreases to 0.25% if required monthly electronic transfer does not occur. Balances over $5,000 will earn 0.25% APY*. A $20 fee will apply for early withdrawal. Fees may reduce earnings. Must be enrolled in eStatements. Rates are accurate as of 9-1-2022 .

*APY = Annual Percentage Yield. APY is accurate as of 9-1-2022 . Rates are variable and subject to change. Fees may reduce earnings.

Fees: Please see the Fee Schedule or speak with your local banker for a full list of fees that may apply.