Personal Checking
Click below to learn about checking options. All checking accounts require a deposit of at least $100 to open.
*Qualification required.
**Credit application required
Designed for the customer who maintains a lower minimum balance and has minimal transaction activity.
- Unlimited check writing
- Low monthly maintenance fee of $6
- Debit MasterCard®*
- Visa® or MasterCard® credit card**
- Online and mobile banking
- Online bill pay
- Monthly statements
- eStatements
Available to customers 50 years and older who direct deposit their paycheck or benefits payments.
- No monthly maintenance fee
- Tiered interest paid on minimum daily balances in excess of $25,000
- Debit MasterCard®*
- Visa® or MasterCard® credit card**
- Online and mobile banking
- Online bill pay
- Monthly statements
- eStatements
- Free bank-selected checks
Designed for the customer with higher transaction volumes who enjoys Club benefits.
- Unlimited check writing
- Low monthly maintenance fee of $8
- Gold Debit MasterCard®*
- Visa® or MasterCard® credit card**
- Online and mobile banking
- Online bill pay
- Discounts on official checks
- Monthly statements
- eStatements
- Free bank-selected checks
- All benefits of the Generations Gold® program (may require logging on to www.gengold.com to register for some benefits), including:
- Discounts on travel
- 90-day purchase protection and extended warranty program
- National brand grocery coupons
- $10,000 accidental death and dismemberment insurance
- Not a deposit
- Not FDIC-insured
- Not insured by any federal government agency
- Not guaranteed by the Bank
- May go down in value
- Discounts at selected retailers
- Free ID Theft Restoration Rescue®
To learn more about the Generations Gold® program, Click Here
Designed for the customer who keeps a larger monthly balance.
- No monthly fee with a minimum daily balance of $1,200 or an average daily balance of $2,000 or average monthly balance of $20,000 in any savings account, certificate of deposit, or an outstanding loan with a $20,000 balance; otherwise, a monthly low balance fee of $10 applies
- Tiered interest is paid on minimum daily balances of $2,000 or greater
- Debit MasterCard®*
- Visa® or MasterCard® credit card**
- Online and mobile banking
- Online bill pay
- Free official checks
- Monthly statements
- eStatements
- Free bank-selected checks
Available to a student who is less than 24 years old.
- Low monthly maintenance fee of $.50
- Debit MasterCard®*
- Reimbursement of fees incurred for use of another institution’s ATM – 4 per month. Must request reimbursement of eligible fees incurred by contacting a Southeastern Bank branch after receipt of a statement reflecting fees
- Online and mobile banking
- Online bill pay
- The first order of bank-selected checks is free when you switch your account from another financial institution
- Monthly statements
- eStatements