Refer a Friend Program: Limit one gift card per referral. Offer available to current SouthEast Bank customers that refer new business or personal customers to SouthEast Bank. The new and referring customer will receive (1) $50 gift card for each personal customer referral and (1) $100 gift card for each business customer referral. A new customer is defined as an individual or business without a checking account and has not held any SouthEast Bank accounts within the past six months. The new customer is required to register online at www.tellyourfriendsrewards.com/southeastbank (or present a referral card at account opening), open an account within 90 days of registration, enroll in eStatements, and complete at least 5 debit card transactions within 90 days of account opening. The minimum balance required to open the account and obtain the bonus is $50. Annual Percentage Yield will vary and be based on deposit account chosen. An example of APY as of 3/27/23 is 0.00% - 2.01% APY. See Rate and Fee Schedule for further information. Fees are subject to change and may reduce earnings. Offer is subject to change without notice. Associates of SouthEast Bank Corporation are not eligible.

Important Privacy Notice: By participating in the SouthEast Bank Referral Program, you agree that the referrer may be aware that you opened an account upon receipt of bonus. To the extent required by law, SouthEast Bank may report the value of the offer to the IRS on a Form 1099. Member FDIC.

50x national average based on FDIC National Deposit Rates, accurate as of 3/27/23.

Bonus Rate Checking: *APY=Annual Percentage Yield. Rates are accurate as of 3/27/23 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 3/27/23 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.

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.

8x national average based on FDIC National Deposit Rates, accurate as of 3/27/23.

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.