Checking Accounts

Rewards Checking: $50 minimum to open. If enrolled in eStatements, a reward of $0.10 will be credited to your account on the 1st business day of each month for each qualifying point-of-sale or online debit card transaction of $10.00 or more. Rewards are credited on the first business day of each month. Unlimited check writing is subject to available funds. Fees may reduce earnings. Some fees and restrictions apply. Please see the Fee Schedule or speak with your local banker for a full list of fees that may apply.

Fees: $3 paper statement fee is waived with a daily average account balance of $1,200 or a daily average relationship balance of $10,000. A Non-Activity Fee of $2.95 will be charged for any statement cycle during which the average daily balance is $300 or less and there is no consumer-initiated credit or debit activity.

57x national average based on FDIC National Deposit Rates, accurate as of 8/1/23.

Bonus Rate Checking: *APY=Annual Percentage Yield. Rates are accurate as of 10/04/23 and are subject to change after account opening. $50 minimum to open. 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 4.01% APY on balances up to $20,000 and 0.20% APY on balances over $20,000. If bonus qualifications are not met during the statement cycle, the account will earn 0.05% APY. This is a variable-tiered rate account. Interest is earned on daily collected balances of $0 and above and is compounded and credited monthly. If the account is closed before interest is credited, you will receive accrued interest. Interest begins to accrue on the business day non-cash items are deposited. Unlimited check writing is subject to available funds. Qualifying transactions include point-of-sale or online purchases using the SouthEast Bank debit card. ATM and cash-only transactions do not qualify toward the minimum debit card transaction amount. Fees may reduce earnings. Some fees and restrictions apply. Please see the Fee Schedule or speak with your local banker for a full list of fees that may apply.

Fees: $3 Paper Statement fee waived with a daily average account balance of $1,200 or a daily average relationship balance of $10,000.

Bonus Rate Savings: *APY=Annual Percentage Yield. Rates are accurate as of 10/04/23 and are subject to change after account opening. $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 at least 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 0.20% APY will be applied on balances over $10,000. If bonus qualifications are not met during the statement cycle, the account will earn 0.05% APY. Limit one Bonus Rate Savings account per primary owner tax ID. Fees may reduce earnings. Some fees and restrictions apply. Please see the Fee Schedule or speak with your local banker for a full list of fees that may apply.

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; Unlimited withdrawals at teller window or ATM and 6 pre-authorized withdrawals per statement cycle at no charge, including checks, ACH debits and online banking transfers; $3 fee for each withdrawal thereafter.

Premium Interest Checking: *APY=Annual Percentage Yield. Rates are accurate as of 10/04/23 and are subject to change after account opening. $50 minimum to open. Interest is earned on daily collected balances of $0 and above and is credited monthly. This is a tiered-rate account that earns higher interest based on higher balances. Fees may reduce earnings. Some fees and restrictions apply. Unlimited check writing is subject to available funds. Please see the Fee Schedule or speak with your local banker for a full list of fees that may apply.

Fees: $10 monthly service fee can be waived with a minimum daily balance of $2,500.

Thrive Checking: $50 minimum to open. Thrive Checking is available to customers ages 60+. There is no monthly service charge with this account. Free checks are safety paper checks. Free official checks are limited to 9 per month. 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 and a monthly debit (check or debit card) from the account.

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

Accelerate: Accelerate is a feature included on Rewards Checking, EDU Checking, and Thrive Checking accounts. Deposits are posted on the day that SouthEast Bank is notified of the incoming ACH deposit, which may be up to three days early. Early deposit is not guaranteed.