Checking

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Checking

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Please click on one of the accounts below to learn more about what Southeastern Bank can do for you. All checking accounts require a deposit of at least $100 to open.

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Small Business Checking

Designed for businesses that typically process less than 150 transactions per month and maintain minimum daily balances less than $2,500. Learn more.

  • Minimum daily balance of $500 is required or a $10 per month balance requirement fee applies
  • Per item fee of $.25 for each transaction in excess of:
    • 125 debits per month
    • 25 credits per month
  • No fee online and mobile banking with optional cash management
  • No fee telephone banking
  • Business credit card with approved credit application
  • First order of bank-selected checks or first package of disposable night deposit bags is free
  • No limit on currency or coin obtained
  • Monthly statements
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Preferred Business Checking – Analysis Account

Designed for larger businesses with a high volume of transactions. Learn more.

  • Service charge of $10 per month (can be offset by the earnings credit)
  • Transaction and other fees for the following (can be offset by the earnings credit):
    • Deposits
    • Bank checks/debits
    • ACH/EFT debits
    • Currency and coin deposits
    • Currency and coin purchased
  • Earnings credit to offset fees if average collected balance is greater than $1,000. Credit is calculated as 90% of the 91 day T-bill discount rate (after a 10% reserve requirement) applied to the average collected balance for the statement cycle.
  • No fee telephone banking
  • No fee online and mobile banking with optional cash management
  • Business credit card with approved credit application
  • First order of bank-selected checks is free
  • Monthly statements 
  • No fee Generations Gold® personal accounts for business owners (limit of 2 accounts)
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Regular Business Checking

Designed for medium-sized businesses. Learn more.

  • No monthly service charge with a minimum daily balance of $2,500 or a total of $25,000 in deposits and/or loans outstanding; otherwise, a $15 per month balance requirement fee applies
  • Per item fee of $.20 for each transaction in excess of:
    • 225 debits per month
    • 25 credits per month
  • No fee online and mobile banking with optional cash management
  • No fee telephone banking
  • Business credit card with approved credit application
  • First order of bank-selected checks or first package of disposable night deposit bags is free
  • Option to sweep excess funds to an interest-bearing account for amounts above a targeted balance
  • Up to $5,000 of currency or coin obtained per month without a fee
  • Monthly statements
  • No fee Generations Gold® personal account for business owners (limit of 2 accounts)
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Business Interest Checking

Available only for sole proprietorships, not-for-profit organizations and governmental entities. Learn more.

  • Minimum daily balance of $2,500 is required or a $15 per month balance requirement fee applies
  • Interest paid on minimum daily balance of at least $2,500
  • Per item fee of $.20 for each transaction in excess of:
    • 225 debits per month
    • 25 credits per month
  • No fee online and mobile banking with optional cash management
  • No fee telephone banking
  • Business credit card with approved credit application
  • First order of bank-selected checks is free
  • Monthly statements