Personal Checking Accounts

SouthEast Bank & Trust Bank has a lineup of checking accounts that provide you GREAT VALUE and pays you CashBack every time you use your SouthEast VISA CheckCard. Whether you prefer to write a check, swipe a card or click a mouse, SouthEast Bank & Trust will help you choose an account that lets YOU bank YOUR way. See our Fees Page for a current listing of our account costs and balance requirements.

Free Checking

For those who want unlimited check writing with no minimum balance and no monthly fee.

  • Free SEBT Checks for Customers 62 Years and Older 
  • Minimum Opening Balance - $100.
  • No Fees
  • Check Writing - Unlimited
  • Free SouthEast 24 Online Banking with Bill Pay and BillShrink
  • SouthEast 24 ATM/VISA CHECKCard
  • Monthly Image Statement or E-Statement
  • Check Safekeeping - Customer may request a copy of 12 checks per year at no charge. Afterwards a charge ( see Schedule of Fees brochure) will be assessed.
  • $300 Bounce Protection (See details below)
  • See Comparison Chart

 

 

 

CashBack Checking

For those who maintain lower average balances, are not concerned with interest but want to earn CashBack rewards.   (see Fees Page).

  • Minimum Opening Balance - $100.  
  • No fees when meeting the average daily balance, monthly direct deposit or monthly E-Statements  requirements
  • Free SEBT Checks for Customers 62 Years and Older
  • Free SouthEast24 Online Banking with Bill Pay and BillShrink
  • Check Writing - Unlimited
  • SouthEast24 ATM Card/VISA CheckCard 
  • $300 Bounce Protection (See details below)
  • Monthly Image Statements or E-Statements
  • $6 in Foreign ATM Fee Rebates
  • Earn CashBack on your VISA CheckCard Transactions (See CashBack requirements below)
  • See Comparison Chart

 

 

 

CashBack Interest Checking

The higher your balance, the higher rate of interest you earn. This TIERED interest-bearing checking account is ideal for individuals who can maintain a $1,000 average daily balance; plus earn CashBack rewards.

  • Minimum Opening Balance - $100.
  • No Fees - When meeting the required average daily balance (see Fees Page).
  • Tiered Interest - Rate is variable and earnings are credited monthly. Higher balances earn a higher interest rate.
  • Free SEBT Checks for Customers 62 Years and Older
  • Check Writing - Unlimited 
  • Free SouthEast24 Online Banking  with Bill Pay and BillShrink
  • SouthEast24 ATM Card/VISA CheckCard
  • $400 Bounce Protection (See details below)
  • Monthly Image Statements or E-Statements
  • $15 in Foreign ATM Fee Rebates
  • Earn CashBack on your VISA CheckCard Transactions (See CashBack requirements below)
  • See Comparison Chart

 

 

 

Premium Interest Checking

A premium account for customers who want flexibility, excellent benefits and higher interest rates plus CashBack rewards.

  • Minimum Opening Balance - $100.
  • No Fees - When meeting the required average daily balance or combined demand deposit and loan balance (CDs not included) (see Fees Page).
  • Tiered Interest - Rate is variable and earnings are credited monthly to your account. Higher balances earn a higher interest rate.
  • Free Personalized SEBT Checks
  • Unlimited Check Writing
  • Free ID Protect Program* (See details below)
  • Free SouthEast24 Online Banking with Bill Pay and BillShrink 
  • Free Notary Service
  • Free Official Checks
  • SouthEast24 ATM Card/VISA CheckCard 
  • $500 Bounce Protection (See details below)
  • Monthly Image Statements or E-Statement
  • Unlimited Foreign ATM Fee Rebates
  • Earn CashBack on your VISA CheckCard Transactions (See CashBack requirements below)
  • See Comparison Chart

 

 

 

Add the IDProtect Program to ANY Checking Account!

This Package of services can help you feel more secure...  For pennies a day, you'll receive:

IDProtect is included in our Premium Interest Checking accounts, but is available for other accounts such as Free, CashBack and CashBack Interest accounts,which have the option to add this service for a small fee of $4.95 for account owners, or $6.95 for family1 coverage.

IDProtect includes:

  • Triple Bureau Credit File Monitoring
  • Total Identity Monitoring
  • 3-in-1 Credit Report
  • Credit Score
  • Comprehensive Identity Theft Resolution Service
  • $10,000 Identity Fraud Expense Reimbursement Coverage2
  • Debit and Credi Card Registration
  • Identity Theft News and Education Resources
1 Family includes: Spouse, person qualifying as domestic partner, and children under 25 years of age and parent(s) who are residents of the same household.
2 Identity theft insurance underwritten by insurance company subsidiaries or affiliates of Chartis Inc.*

*Insurance products are:

  • NOT A DEPOSIT
  • NOT FDIC-INSURED
  • NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
  • NOT GUARANTEED BY THE BANK
  • MAY GO DOWN IN VALUE
 

Bounce Protection

Up to $500
A special overdraft privilege for SouthEast Bank & Trust checking customers.

Having a check returned due to insufficient funds can be a costly and humiliating
experience. That's why we provide "Bounce Protection."

  • Extra level of protection
  • Save additional merchant fees
  • Save embarrassment

There is no cost associated with this privilege unless you use it. You should keep in
mind, however that you will be charged the standard NSF fee for each item paid under
the limit.

This overdraft privilege is available on your checking account if you "opt-in".  You may opt-out of Bounce Protection at anytime.

 

Account Type Limits
Account Bounce Limit
Free Checking $300
CashBack Checking $300
CashBack Interest Checking $400
Premium Interest Checking $500

 

BOUNCE PROTECTION NOTICE:
SouthEast Bank charges a fee of $30 for each overdraft created by check, in-person withdrawal, that uses Bounce Protection.  Also, if you have Opted In for ATM withdrawal or debit card transactions - you will be charged a overdraft fee of $30.   Customers must bring their account to a positive end-of-day balance within 30 days to continue to receive Bounce Protection privileges. As long as your account stays in good standing, SouthEast will pay your overdrafts up to your Bounce Protection limit.

CashBack Rewards

Cash/ATM Fee Rebates on the CashBack products above as described below.  The CashBack and ATM Rebate Rewards can be deposited to another checking or savings account in order to help you save money.  Interest is deposited to the account it is earned on.

  • A minimum of 10 (ten) PIN/Signature SouthEast VISA CheckCard transactions must post and clear to the account during the Reward Period in order to earn rewards.  ATM transactions do not count toward the 10 required transactions and do not earn cash rewards.  Once 10 PIN/Signature CheckCard transactions post and clear to the account during the rewards period, the reward will be paid on all debit card transactions of $10 or more including the first 10.
  • A $.05 cash reward will be paid on each PIN/Signature CheckCard transaction in the amount of $10 or more on CashBack Checking, CashBack Interest Checking and Premium Interest Checking.
  • ATM Fee Rebates:  The following ATM fee rebates will be reimbursed each month for using a non-SEBT ATM.

                  CashBack Checking - up to $6 in fees

CashBack Interest Checking - up to $15 in fees
Premium Interest Checking Unlimited

Regardless of the Statement Cycle, CashBack Rewards and ATM Fee Rebates will be paid (credited to the account) on the 1st business day of each month for CashBack Checking, CashBack Interest Checking and Premium Interest Checking.  On CashBack Checking, if the account does not meet one of the following requirements during the Reward Period, a $6 service charge will be assessed (debited from the account) on the 1st business day of each month.  An average daily balance of $250 or monthly direct deposit or monthly E-Statement.  A CashBack Checking customer may earn rewards and be assessed a fee in the same cycle.  CashBack Interest Checking and Premium Interest Checking service charges will be assessed at statement cycle.

Let Our E-BANKING SERVICES Give you Anywhere, Anytime Banking Convenience.

  • Free Online Banking - Transfer funds, balance your checkbook, confirm electronic transaction amounts... day or night from any computer.
  • Optional Online Bill Pay - Use your computer to pay bills with the click of a mouse ...without the hassle of writing checks, addressing envelopes and going to the post office.
  • BillShrink - matches users transactions with rewards based upon consumers’ existing bills and shopping preferences. Additionally, the bill analysis helps customers save thousands on their largest monthly bills.  Available with Online Banking.
  • ATM Banking - Use your SouthEast24 VISA CheckCard or ATM Card to get cash and account information at any SouthEast Bank & Trust ATM... and thousands of other machines nationwide displaying the Pulse and Plus logos (there may be a fee for using non-SouthEast Bank & Trust ATMs).
  • Toll-Free Phone Banking - Use anytime day or night to gain up-to-the-minute information about your Checking, Savings, Money Market and Loan accounts. Dial toll-free 1-866-401-SEBT (7328).
  • SouthEast24 ATM/ VISA CHECKCard OR Photo VISA CHECKCard (for extra security)- Use it just like a credit card to debit your checking account! Your SouthEast VISA CHECKCard is a fast, convenient way to make purchases without the traditional check approval hassles. No need to carry a checkbook.
  • Online Check Reordering - Need to reorder checks? It's easy online at SouthEastBank.net. You can even browse through the check designs available and choose a new style that fits you.