At Suncoast, serving members is our number one priority. One of the ways we do that is by providing answers to your most commonly asked questions in hopes of making your credit union experience as easy and convenient as possible.

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SunNet Online Banking

What is SunNet?

SunNet is the member login portal where members can access their banking accounts. You can access SunNet directly from the homepage.

How do I gain access to SunNet Online Banking?

Enter your member number in the Login box on the home page or using the Login link at the top of any page on this site. (Your member number was provided when you opened your account.) You will also need your password, which may have been setup when you opened your account. If you did not set up your password, or if you don't remember the password you selected, request a new one by calling the Members Contact Center at 1-800-999-5887 or visit any Suncoast Credit Union service center.

Is there a charge for using SunNet Online Banking?

No. There is no charge to use SunNet Online Banking.

What types of accounts can I access using SunNet Online Banking?

You can review account balances for any of your personal checking, savings, share certificates, IRAs, credit cards, consumer loans, and mortgages. You can also use the Transaction History function to review transaction history. In addition, you can transfer funds between any of your personal Suncoast Credit Union checking, savings, or loan accounts.

I lost or don’t know my Member Number and/or Password to log in to SunNet. What do I do now?

Your Member Number is the last 6 or 7 digits of your account number. Your password may have been setup when you opened your account. If you need help finding your member number or SunNet password, you can contact the Members Contact Center at 1-800-999-5887 or request a password at any local service center (valid identification is required).

How can I change my password?

You can change your password at any time when you are logged into SunNet Online Banking through the “My Profile” page.

How do I set my landing/start page?

If you would prefer to land on a specific page of SunNet rather than the home page, follow these easy steps:

  • Navigate to the page you want to land on upon signing into SunNet. Using the example of changing your landing page to "My Profile," navigate to the "My Profile" page.
  • Click the link found in the upper right corner of your screen called "Bring Me Here After Logon."
  • The next time you log in, you will arrive directly at the "My Profile" page.

How do I find my joint accounts?

Follow these simple steps to locate and review joint accounts:

  • On the “Accounts” page, you will see a button labeled “Primary” and a button labeled “Joints” directly beneath the account headings.
  • Click the “Joints” button, which will add your joint accounts to your view (you may need to scroll down to see the joint accounts).
  • Click the “Primary” button to remove your joint accounts from your view.

Where can I find my interest rates, dividend rates, and other account details?

Follow these simple steps to find account detail information:

  • From the Tile View of the “Accounts” page, click the “Details” link found in the lower left corner of any account tile, then click the “Account Details” link, where you will find all the information about that particular account.
  • From the List View of the “Accounts” page, click the “Details” link found under the Options column of any account line, then click the “Account Details” link, where you will find all the information about that particular account.

How do I make transfers from the “Accounts” page?

Follow these simple steps to transfer funds:

  • Click the “Quick Transfer” link (or, if a loan, the “Make Payment” link) located in the Options column of your account line.
  • From the “Quick Transfer” screen, select the account you want to transfer “From,” select the account you want to transfer “To,” enter the “Amount,” and then click the “Transfer” button.

You also have the option of transferring money by clicking on the “Transfers” tile from the home page or from the menu pane.

How do I transfer funds between my own accounts or to another member's account?

Follow these simple steps to transfer funds:

  • Navigate to the "Transfers" page.
  • From the "Transfer From" tile, select either "My Accounts" or, if applicable, "Joint Accounts" and choose the account where the money is now. The account will become highlighted with an underline and a blue box.
  • Next, select the account to where you are transferring funds. You can transfer funds to your own accounts, joint accounts, or another member's account. Your own accounts and joint accounts will become highlighted with an underline and a blue box.
  • Enter the amount you want to transfer and click the "Transfer" button, which will present a summary of the transfer for your confirmation or cancellation.
  • If you are transferring funds to another Suncoast member's account, you will need to enter the recipient's member number, account suffix and correct spelling of their last name.

Can I transfer funds to my account at another financial institution via SunNet?

With Online ACH Funds Transfer you can send money to your own accounts at any bank or credit union in the United States. Note: Funds will normally be transferred within 3-5 business days. There is a $1.00 fee when you transfer funds out of your Suncoast account. A fee may be assessed from your other Financial Institution; we recommend checking with them before initiating a transfer. Your transfers are limited both on a daily basis and a weekly basis. The daily limit is 3 maximum transfers for a maximum amount of $1,000.00. The weekly limit is 5 maximum transactions for a maximum amount of $1,000.00. To set up ACH Funds Transfer, please go to the ACH Transfers link located under Transfers on the side menu and select ACH Transfers.

Can I stop or modify my request to transfer funds?

Yes. You can modify or cancel your funds transfer request until you get to the "Confirm Transfer" screen. However, after you've completed a funds transfer and have received a confirmation, you cannot stop the transfer from occurring. At that point, if you change your mind about the amount you wanted to transfer (if the transfer was between your personal and joint accounts), simply complete another transfer to transfer funds again between the appropriate accounts. Transfers to another member's account or to a loan account cannot be adjusted — please visit your nearest branch or call us for assistance.

Can I tell when transfers are posted to my account?

Yes. Transfers will be posted to your account immediately and reflected in your Account Balances. Please allow 24 - 48 hours for the balances to adjust on certain mortgage products and credit card payments.

Where can I find my ScoreCard Rewards Points?

To review your point balance, redeem points, and shop, simply go to the “Cards” page. Click the “Details” link found in the lower left corner of the credit or debit card tile, then click the “ScoreCard Rewards” link.

What’s the difference between the “Current Balance” and the “Available Balance” on my deposit account?

The Current Balance is the total amount in your account without any holds.

The Available Balance is the amount of your current balance that is accessible to you right now. The available balance includes your current balance minus any branch or ATM withdrawals and other deductions, funds transferred, or any funds placed on hold during the current business day.

What is a Transaction History?

A Transaction History allows you to review transactions posted to your personal checking, savings, or loan accounts. You can review all transactions posted to your account within the past 90 days, including transactions you have performed since the end of Suncoast Credit Union’s last business day.

Simply select the time period to review transactions on the Transaction History selection page.

What details will I find on the Transaction History? Who can I call if I have a question?

You can review details about each transaction including the date, amount, and description of the transaction as well as the balance in your account after the transaction was posted.

If you have any questions, please call the Members Contact Center at 813-621-7511 or 1-800-999-5887 (outside the 813 area code) or click on the envelope beside each transactions to send us an inquiry.

What is Direct Connect?

Direct Connect allows you to automatically download your transactions from SunNet Online Banking, from within Quicken. With Direct Connect, there is no more searching for downloads and importing QIF files, and no more duplicate transactions due to multiple QIF downloads.

How can I suggest an improvement to SunNet Online Banking?

We’re always interested in knowing what you think about our site and how we may improve it. Simply send us an email by selecting “Compose Message” from the Message Center page or by calling our Digital Banking Department at 1-800-999-5887 ext. 88600.

Mobile and Online Banking Security

How secure is Online Banking and what can I do to keep my account and personal data safe?

Please visit the Online Banking Security page to learn about the security of our Online Banking channels as well as ways to keep your data safe.

Mobile Deposit

What is Mobile Deposit?

Mobile Deposit allows members to deposit funds to their savings, special savings, checking, or money market account remotely by taking a photo of their check(s) via their mobile device (iPhone, iPad, Android and Android tablet).

How do I make a Mobile Deposit?

Log in to the SunMobile app. Choose “Deposit Funds” from the menu at left. Choose “Deposit To” and pick the appropriate account. Enter the deposit amount from the check. Then follow the prompts to take a photo of the check and complete the deposit.

Is this the same as Remote Deposit Capture (RDC) or Remote Deposit?

Yes, the industry term for this feature is Remote Deposit Capture (RDC) or Remote Deposit. This is a feature that allows you to deposit funds from your device

Is there a fee to use Mobile Deposit?

No, Mobile Deposit is a free, convenient service provided to eligible Suncoast members.

Who is eligible for Mobile Deposit?

The system will verify your account once a week. If your account meets the criteria below, you will be able to use this feature:

  • Business Accounts: Your account has been opened 61 days or more
  • Revocable Trust Accounts: Your account has been open at least 1 day
  • Personal Accounts: You are a least 16 years of age
  • Your account has ATM and RDC deposit privileges
  • Your account has no restrictions
  • Your account is not in default on any loan, credit card or other obligation to Suncoast Credit Union for 60 days or more

What is the enrollment process?

Once you meet the requirements, the Deposit Funds menu option will be available to you via the mobile platform. You must complete the enrollment process by reading and accepting the Mobile Deposit terms and agreement.

How soon will I have access to my funds?

Each member is assigned an immediate availability and number of business days that the remaining funds will be held based upon their relationship with the Credit Union, which is based on a number of factors. Some examples of factors include length of time the account has been open, types of loans as well as other loan details, and the types of accounts included in the membership.

How do I know my deposit has been received?

Once a deposit is submitted, it goes through an acceptance/review process. There may be some time between the acceptance/review process and when the deposit is officially accepted.

What happens if my deposit is reviewed and must be reversed?

A daily process runs to adjust any deposits that do not pass review. If a deposit does not pass review and needs adjustment, you will be notified via email, SunNet secured message, and SMS (texting).

What types of checks are eligible for Mobile Deposit?

Only complete, (full MICR) single party, domestic checks made payable to the owner(s) of your Suncoast account are accepted. Third-party checks, checks older than six (6) months from the date of attempted deposit, and post-dated checks will not be accepted.

Are there deposit limits?

Yes, the daily deposit limit is $2,500 for personal accounts and $25,000 for business accounts. Limits are subject to review and can change at any time.

How many checks can be included in one deposit?

One check per deposit is allowed at this time.

What should I do with the check once it has been scanned?

You should securely store each original check(s) for a period of 90 days after you receive confirmation that your deposit has been accepted. Please note that you are solely responsible and liable for the security and storage of the original checks and for any loss or misappropriation of these checks.

Where can I view my deposited items?

You will be able to review images of your deposited items by clicking on the image indicator next to the item via Account History when reviewing in SunNet Online Banking or the SunMobile app.

What mobile devices currently support this Mobile Deposit?

The Mobile Deposit feature is available from the SunMobile app on iPhone, iPad, Android, and Android Tablet devices. It is currently not available in SunNet Online Banking.

When will this feature be available in SunNet Online Banking?

Mobile Deposit is currently not available on SunNet Online Banking due to limitations including the need for a scanner to complete the deposit. Mobile Deposit is simple, fast and convenient from the SunMobile app since the camera is already built into the device. We will continue to explore options to improve the Mobile Deposit member experience from SunNet Online Banking.

If I have questions or encounter a problem, where can I receive help?

Mobile Deposit is designed as an easy-to-use, self-service product; however, should you encounter any problems or have questions on the process, please contact the Resolutions department at 1-800-999-5887 extension 87165.


What is SunText?

SunText is a text banking service that allows you to receive account balances, review history, make transfers and payments — via text messages. To enroll, log in to SunNet Online Banking and navigate to the “My Profile” page.


Why should I use SunMoney?

We provide the tools to help you successfully manage and track your finances. With SunMoney, you can create a budget, see where your money goes, and identify ways to save more. It also allows you to track your upcoming bills and income and helps you achieve your personal financial goals.