Personal Checking

Reward Checking

Tired of earning low rates on your checking? Earn more with our Reward Checking1 account!  You’ll enjoy:

2.25% APY2 on balances up to $10,000 and unlimited ATM fee refunds when you do these 3 things within your monthly qualification cycle:

  1. Use direct deposit or automatic payments
  2. Make 10 or more debit card purchases
  3. Receive an eStatement

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

You’ll also have no monthly service charge, even if you don’t meet the monthly qualifications, and no minimum balance requirementsClick here to sign-up for Free Reward Checking.

See our checking grid below for a complete list of checking accounts! 

 

  Reward
Checking1
Basic
Checking
HomeFree
Checking
SuperNOW Checking
Description Opportunity to earn higher rates and receive ATM fee refunds A low-cost account for those with less activity A free checking account exclusively designed with homeowners in mind A traditional checking account with interest
Minimum Opening Deposit $100.00 $100.00 $100.00 $1,000.00
Minimum Balance None None None $1,000.00
Monthly Maintenance Fee (if below minimum) None None None $8.00
Fee per Check Written/ Withdrawals None First 15 checks free; $0.50 after 15 None None
Earns Interest  Yes  No Yes, with balance of $1,000.00 or more.
Available to anyone who owns a home (limit one account per household)
 Yes
 Other

To earn higher rates and receive ATM fee refunds, you must perform the following each qualification cycle:* 1. 10 debit card transactions (excluding ATM transactions)
2. One Direct Deposit or one ACH Auto Debit     3. Receive an   electronic statement

     
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We make banking easy! All accounts have access to FREE Online Banking, FREE Online Bill Pay, FREE Mobile Banking**, eStatements, Visa® Debit Cards, Safe Deposit Boxes, Telephone Banking, Gift and Travel Cards, and thousands of convenient ATMs. Learn more!

 

*Qualifying transactions must post to and settle Reward Checking during monthly qualification cycle. “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.

**Note: Southeast National Bank AnyTime Mobile Banking is only available if you’ve already enrolled in Online Banking with Southeast National Bank. There is no charge for AnyTime Mobile Banking, but your mobile phone service provider may charge for text messages and/or web access, and access outside the United States may be limited by your service provider. Be sure to check your service plan for additional details.

2 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.