Personal Savings Accounts

Make The Most Of Your Money

There’s nothing more rewarding than making your money work for you. So when you open a SouthEast Bank & Trust savings or money market account, you can rest assured your money will work hard ... earning a VERY COMPETITIVE rate of return. Plus, you can take comfort in knowing your hard-earned money is safe because each depositor is insured by the FDIC for up to $100,000.

Personal Savings Accounts

Whether you are just starting to save, or simply want to earn interest on easy-access funds, the Personal Savings Account is perfect for you.

Minimum Opening Balance – $100.
Anytime Access – 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).
Interest Earnings – Calculated on total daily balance and credited quarterly.
Withdrawals – Six pre-authorized withdrawals allowed per quarter at no charge (see Fees page).
No Fees – When maintaining a minimum daily balance of $100, or for full-time students or seniors age 62+ (see Fees page).
Quarterly Statement

Tiered Money Market Account

If you want to earn a higher rate of return, yet have easy access to your money, take advantage of this interest-bearing account with near-CD rates.

Opening Deposit – $2,500
Interest Earnings – Interest is earned on account balances of $0 and above, and is credited monthly. This is a tiered rate account that earns higher interest based on higher balances. Interest rates may reprice with the market.

$0 - $2,499	$50,000 - $99,999
$2,500 - $9,999	$100,000 - $249,999
$10,000 - $49,999	$250,000 +

Anytime Access – You can withdraw your money any time at any SouthEast Bank & Trust branch or ATM, or at any Pulse or Plus machine. You can even write a check! (There may be a fee for using non-SouthEast Bank & Trust ATMs.)
Withdrawals – Up to six free pre-authorized transactions are allowed each month, three of which may be by check (see Fees page).
No Fees – When maintaining a minimum daily balance $2,500 (see Fees page).
Monthly Statements

Individual Retirement Accounts

Save for your future with this tax-deferred retirement account ... and take advantage of new higher contribution limits.

Minimum Investment – $500.
Rates – Interest rates vary according to investment amount and term; rates change weekly.
Access to Account – Deposits can be added at any time.
Fees – Early withdrawals subject to interest and tax penalties.

Health Savings Account (HSA)

High-deductible health plan required to open an HSA account.

Minimum Opening Balance - $100
Anytime Access - Access your HSA funds with a SouthEast Bank VISA CheckCard.
Interest Earnings - Calculated on total daily balance and credit quarterly
Withdrawals - Unlimited withdrawals
Yearly Fee (See Fee Schedule)
Quarterly Statements

Christmas Club Account

A handy way to pay for those annual holiday gifts. Save for one year and get your savings plus interest in November.

Minimum opening deposit $5
Accepts direct deposit
Set up automatic transfer from another SouthEast account

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NOTICE OF CHANGES IN TEMPORARY FDIC INSURANCE COVERAGE FOR TRANSACTION ACCOUNTS: All funds in a “noninterest-bearing transaction account” are insured in full by the Federal Deposit Insurance Corporation from December 31, 2010, through December 31, 2012. This temporary unlimited coverage is in addition to, and separate from, the coverage of at least $250,000 available to depositors under the FDIC’s general deposit rules.

The term “noninterest-bearing transaction account” includes a traditional checking account or demand deposit account on which the insured depository institution pays no interest. It also includes interest on Lawyers Trust Accounts ("IOLTAs"). It does not include other accounts, such as traditional checking or demand deposit accounts that may earn interest, NOW accounts, money-market deposit accounts.

For more information about temporary FDIC insurance coverage of transactions accounts, visit www.fdic.gov.

NOTICE: The Unlawful Internet Gambling Enforcement Act of 2006 prohibits any person engaged in the business of betting or wagering from knowingly accepting payments in connection with the participation of another person in unlawful Internet gambling. As an accountholder, these restricted transactions are prohibited from being processed through the account or relationship with us.

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