Health Savings Account (HSA) (2024)

Enjoy the potential to earn tax-free interest while saving ahead for qualified medical expenses.⁽¹⁾ Open an account at your nearest SouthEast Bank branch.

Health Savings Account (HSA): $50 minimum to open. The account owner must participate in a high-deductible insurance plan, and annual limits apply. Funds are accessible by debit card only. Withdrawals are unlimited for qualified health expenses. Interest is calculated based on total daily balances and credited quarterly. This is a variable-rate account. Fees may reduce earnings. Some fees and restrictions apply. Consult your tax professional for eligibility requirements

Fees: $2.50 service fee per quarter. Please see the Fee Schedule or speak with your local banker for a full list of fees that may apply. Rates are subject to change after account opening.

57x national average based on FDIC National Deposit Rates, accurate as of 3/20/24.

Bonus Rate Checking: *APY=Annual Percentage Yield. Rates are accurate as of 3/29/24 and are subject to change after account opening. $50 minimum to open. To earn the bonus rate, each statement cycle the account must be enrolled in eStatements and post and settle at least 15 qualifying debit card transactions of $1 or more. If all qualifications are met during the statement cycle, the account will earn a 4.01% APY on balances of $20,000 or less. For amounts over $20,000, the account will earn 0.20% APY with an APY of 4.01% APY to 0.51% APY, depending on the balance in the account.If bonus qualifications are not met during the statement cycle, the entire balance will earn 0.05% APY.Qualifying transactions include point-of-sale or online purchases using the SouthEast Bank debit card. ATM and cash-only transactions do not qualify toward the minimum debit card transaction amount.Limit one Bonus Rate Checking account per primary account holder tax ID. A $3 Paper Statement fee is waived with a daily average account balance of $1,200 or a daily average relationship balance of $10,000. Please see the Fee Schedule or speak with your local banker for a full list of fees that may apply. Fees may reduce earnings.

Bonus Rate Savings: *APY=Annual Percentage Yield. Rates are accurate as of 3/29/24 and are subject to change after account opening. $50 minimum to open. To earn the bonus rate,each statement cyclethe account holder must have a SouthEast Bank checking account with theRound Up feature, enroll and maintain the Bonus Rate Savings account in eStatements, and post and settle at least 15qualifyinground up debit card transaction during the statement cycle from any personal SouthEast Bank checking account.If all qualifications are met during the statement cycle, the account will earn a 2.01% APY on balances of $10,000 or less. An interest rate of 0.20% will be paidon the portionof your daily balance that is greater than $10,000. The APY for this tier will range from​ 2.01% APY to 0.27% APY, depending on the balance in the account. If bonus qualifications are not met during the statement cycle, the account will earn 0.05% APY. Limit one Bonus Rate Savings account per primary account holder tax ID. A $3 paper statement fee is waived when enrolled in eStatements or with a daily average account balance of $1,200 or a daily average relationship balance of $10,000; Unlimited withdrawals at teller window or ATM and 6 pre-authorized withdrawals per statement cycle at no charge, including checks, ACH debits, and online banking transfers; $3 fee for each withdrawal thereafter. Unlimited withdrawals are subject to available funds.Fees may reduce earnings.Please see the Fee Schedule or speak with your local banker for a full list of fees that may apply.

Round Up Savings: Upon enrollment in Round Up Savings, SouthEast Bank will round up yourqualifying debit card transactionsof $1 or moreto the nearest dollar and transfer the difference from yourSouthEast Bankchecking account to your designatedSouthEast Banksavings account. Qualifying transactions include point-of-sale or online purchases using the SouthEast Bank debit card. Both signature and pin transactions made with debit cards qualify for Round Up Savings. ATM and cash-only transactions do not qualify for Round Up Savings. All debit cards connected to the checking account will round up to your savings account. You must be a primary owner on each checking and savings account that you enroll. Round-up amounts will be transferred separately throughout the day.

4x national average based on FDIC National Deposit Rates, accurate as of 3/20/24.

Round Up Savings: Upon enrollment in Round Up Savings, SouthEast Bank will round up yourqualifying debit card transactionsof $1 or moreto the nearest dollar and transfer the difference from yourSouthEast Bankchecking account to your designatedSouthEast Banksavings account. Qualifying transactions include point-of-sale or online purchases using the SouthEast Bank debit card. Both signature and pin transactions made with debit cards qualify for Round Up Savings. ATM and cash-only transactions do not qualify for Round Up Savings. All debit cards connected to the checking account will round up to your savings account. You must be a primary owner on each checking and savings account that you enroll. Round-up amounts will be transferred separately throughout the day.

Consumer Statement Savings: *APY=Annual Percentage Yield. Rates are accurate as of 3/29/24 and are subject to change after account opening. $50 minimum to open. Interest is calculated based on the account's total daily balance and is credited quarterly. Fees may reduce earnings. Some fees and restrictions apply. Please see the Fee Schedule or speak with your local banker for a full list of fees that may apply.

Fees: $5 service fee per quarter waived with an average daily balance of $100; $3 paper statement fee waived when enrolled in eStatements orwith a daily average account balance of $1,200 or a daily average relationship balance of $10,000;6 pre-authorized withdrawals per month at no charge, including checks, ACH debits, and online banking transfers; $3 fee for each withdrawal thereafter.