Christmas Club e-Savings

Chrismas Club e-Savings: *APY=Annual Percentage Yield. Rates are accurate as of 5/1/23 and are subject to change after account opening. $5 minimum to open. Must be enrolled in eStatements. The Christmas Club e-Savings Account requires the holder to have a SouthEast Bank checking account, which will be credited to 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 the date of opening until the account is closed on October 31, 2023. Eligible account holders will receive savings plus interest in November 2023. 2.00% APY decreases to 0.25% if required monthly electronic transfer does not occur. Balances over $5,000 will earn 0.25% APY. 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: $20 fee will apply for early withdrawal.

33x national average based on FDIC National Deposit Rates, accurate as of 5/1/23.

Bonus Rate Checking: *APY=Annual Percentage Yield. Rates are accurate as of 5/1/23 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 2.01% 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 credited monthly. 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 5/1/23 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.

5x national average based on FDIC National Deposit Rates, accurate as of 5/1/23.

Round 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.

Personal Savings: *APY=Annual Percentage Yield. Rates are accurate as of 5/1/23 and are subject to change after account opening. $50 minimum to open. Interest is calculated based on the account's total daily balance and is credited quarterly. 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: $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.