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  • Limited-Time Offer

    Make the Switch, Earn $100

    Choose an account and use promo code SWITCH100 when opening to earn a $100 bonus1

Terms and Conditions: This promotion begins on June 22, 2022, and the new account must be opened by August 31, 2022, to receive the $100 bonus. The minimum deposit required to open a qualifying checking account and receive this bonus is $50. The account holder must make 5 SouthEast Bank debit card transactions of $1 or more within 30 days of account opening and the account must remain open and in good standing within 90 days of funding in order to receive the bonus. The bonus will be credited to the account within five (5) business days of meeting all qualifications. Bonus only available to new SouthEast Bank customers (see full terms and conditions).

SouthEast Bank Checking Accounts

Let's get started on your financial goals. Browse our accounts and choose the one that's best for you.

 


 

Bonus Rate Checking(2)

Best for frequent debit card users who want to earn up to 67x the national average for interest-bearing checking.(3)

(View Terms, Conditions & Fees)

  • Earn up to 2.01% APY* on balances up to $20,000
  • No minimum balance requirements
  • No monthly service charge
  • Unlimited check writing
  • Pair with Bonus Rate Savings and earn up to 2.01% APY* on savings up to $10,000
Open Account

 

Rewards Checking(4)

Best for earning cashback rewards on debit card purchases.

(View Terms, Conditions & Fees)

  • Receive $.10 cashback rewards for qualifying debit card transactions
  • Access direct deposits up to three days sooner with Accelerate
  • No minimum balance requirements with monthly credit or debit transactions
  • Unlimited check writing
Open Account

 

Premium Interest Checking(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 = 0.10% APY*
    • $10,000 - $49,999.99 = 0.15% APY*
    • $50,000 - $99,999.99 = 0.50% APY*
    • $100,000 - $249,999.99 = 0.70% APY*
    • $250,000+ = 1.00% APY*
  • Unlimited check writing
Open Account

 

 

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

Pay from your phone with Apple Pay®, Samsung Pay® and Google Pay®

Track your budget and spending with built-in tools

Stay secure with SouthEast Verifi fraud protection

Enjoy 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. Plus, track your scheduled payments in your digital 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

Save time and paper by enrolling in eStatements. Receive email updates when your monthly account 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

Ready to Make the Switch & Earn $100?

Remember to use promo code SWITCH100 when opening your account.

Open Account

1$100 Bonus Terms & Conditions: 

This promotion begins on June 22, 2022, and the new account must be opened by August 31, 2022. The $100 cash bonus is only available to new SouthEast Bank customers who open a Rewards Checking, Bonus Rate Checking, or Premium Interest Checking account online. The minimum to open a qualifying checking account is $50. A new customer is one who has not had an open savings or checking account with SouthEast Bank in the past 12 months.

To receive the cash bonus, the account owner must complete at least five SouthEast Bank debit card transactions of $1 or more within 30 days of account opening. To qualify, the new account must remain open, in good standing and have met eligibility criteria within 90 days of funding. The bonus will be credited to the account within five (5) business days of meeting all qualifications. If SouthEast Bank or the account holder close the checking account within the 90-day time frame, the customer may not be eligible to receive the bonus. Account holder must be at least 18 at the time of opening account and must not have closed a checking account with SouthEast Bank within 12 months of promotion start date. Individual must be in good standing with SouthEast Bank if prior account closures have occurred. Applicant must mention this offer to the SouthEast Bank representative at time of opening to qualify for the bonus, or if opened online, must include the coupon code in the account application.

This offer is limited to one new customer per immediate family (immediate family is defined as parent, spouse, or children under the age of 18). This bonus offer cannot be applied to the account retroactively. SouthEast Bank reserves the right, in its sole discretion, to cancel, terminate, modify or suspend the promotion with or without cause. This promotion is subject to all applicable federal, state, and local laws and regulations. Void where prohibited. See the Fee Schedule and individual terms and conditions for each qualifying checking account. All Checking accounts are subject to approval. Any and all bonus-related expenses, including without limitation any and all federal, state, and/or local taxes, shall be the sole responsibility of the customer. Annual Percentage Yield will vary and be based on deposit product chosen. An example of APY as of 8-1-2022 is 0.00% - 2.01 % APY. See Rate and Fee Schedule for further information. Fees are subject to change and may reduce earning. Offer is subject to change. Employees of SouthEast Bank and its affiliates are not eligible. 

*APY=Annual Percentage Yield. Rates accurate as of 8-1-2022 .

2Bonus Rate Checking:

Each statement cycle, the account must be enrolled into eStatements and post and settle at least 15 qualifying debit card transactions (point of sale or online purchases) of $1 or more to earn the bonus rate of 2.01% APY for balances up to $20,000 (.20% APY on balances over $20,000). Otherwise, the account will earn .05% APY.

Some fees, which may reduce earnings, and restrictions apply. $3.00 Paper Statement fee is waived with a daily average account balance of $1,200 or a daily average relationship balance of $10,000. Unlimited check writing is subject to available funds. Rates are accurate as of 8-1-2022 and are variable and subject to change after account opening. Limited to one account per primary owner tax ID.

Fees: $3 paper statement fee - waived when enrolled in eStatements. 

367x national average based FDIC National Rates and Rate Caps, accurate as of 6/22/2022.

4Rewards Checking:

If enrolled in eStatements, a reward of $0.10 will be credited to your account on the 1st business day of each month for any qualifying debit card transaction (point of sale or online purchases) of $1 or more. Regardless of statement cycle, the Rewards Period begins on the first calendar day of the month and ends on the last business day of the month. $3 paper statement fee is waived with a daily average account balance of $1,200 or a daily average relationship balance of $10,000. Some fees, which may reduce earnings, and restrictions apply. Unlimited check writing is subject to available funds. Rates are accurate as of 8-1-2022 .

Fees: $2.95 non-activity fee - waived if the monthly account balance is over $300, or at least one credit or debit transaction occurs; $3 paper statement fee - waived when enrolled in eStatements

5Premium Interest Checking:

Interest is earned on daily collected balances of $0 and above and is credited monthly to the account. This is a tiered rate account that earns higher interest based on higher balances. Interest rates may reprice with the market. Rates are subject to change after account opening. APYs are accurate as of 8-1-2022 . Fees may reduce earnings. Some fees and restrictions apply. Unlimited check writing is subject to available funds. Visit southeastbank.com or ask an associate for complete details.

Fees: $10 month - waived with a minimum daily balance of $2,500