Reward Checking

Reward Checking

Tired of earning low rates on your checking?

Earn more, and enjoy …

… 2.25% APY on balances up to $10,000 and unlimited ATM fee refunds when

you do these 3 things within your monthly qualification cycle:

• Use direct deposit or automatic payments

• Make 10 or more debit card purchases

• Receive an eStatement

Earn 0.05% APY* if qualifications aren't met.

… no monthly service charge, even if you don't meet the monthly qualifications

… no minimum balance required

$100 deposit required to open this account

All of our checking accounts include Free Online Banking and Bill Pay, AnyTime Mobile Banking**, a Visa® Check Card, Telephone Banking, and access to convenient ATMs!

*APY=Annual Percentage Yield. APYs accurate as of 08/12/2014. Rates may change after account is opened. Minimum to open is $100 for Reward Checking and $100 for Reward Saver. For Reward Checking, if qualifications are met each monthly qualification cycle: (1) Domestic ATM fees incurred during qualification cycle will be reimbursed and credited to account on the last day of the monthly statement cycle; (2) balances up to $10,000.00 receive APY of 2.25%; and (3) balances over $10,000.00 earn 0.25% interest rate on the portion of the balance over $10,000.00, resulting in 2.25% - 0.43% APY depending on the balance. If an individual ATM fee is $5.00 or higher, you must contact us for reimbursement. If qualifications are not met on Reward Checking, all balances earn 0.05% APY. Qualifying transactions must post to and settle Reward Checking during monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post to and settle account. ATM transactions do not count towards qualifying debit card transactions. "Monthly Qualification Cycle" means a period beginning one day prior to the first day of the current statement cycle through one day prior to the close of the current statement cycle. The advertised Reward Checking APY is based on compounding interest. Interest earned in Reward Checking is automatically transferred to Reward Saver each statement cycle and does not compound. Actual interest amount paid may be less than advertised Reward Checking APY. The Reward Saver APYs may be less than Reward Checking APYs. If qualifications in Reward Checking are met each monthly qualification cycle: (1) balances up to $10,000.00 in Reward Saver receive an APY of 0.50%; and (2) balances over $10,000.00 in Reward Saver earn 0.25% interest rate on the portion of the balance over $10,000.00, resulting in 0.50% - 0.27% APY depending on the balance. If qualifications are not met in Reward Checking, all balances in Reward Saver earn 0.05% APY.

**Mobile Banking is available to Southeast National Bank Online Banking customers at no charge. Check with your mobile carrier for fees that may apply.