Free is better than fees

Upgrade your checking account to one that’s fee-free!* Suncoast Credit Union’s Smart Checking is free and offers features that go above and beyond.

Earn $25 in 3 Easy Steps

Direct mail icon
Step 1:
Bring your postcard to a Suncoast branch

Checking Icon
Step 2:
Become a Suncoast member and open a new checking account

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Step 3:
Get $25

This offer is only available in-person, so visit a branch today!



Get Big Bank Benefits without Big Bank Fees

Suncoast Credit Union truly free checking accountSmart Checking offers the convenience and security of a big bank along with savings that can only come from a credit union!

Benefits include:

  • Save money with no monthly maintenance fee and no minimum balance requirement
  • Bank whenever and wherever you want with SunNet Online Banking and the SunMobile app
  • Give back to your community with every purchase you make, as Suncoast donates two cents to the Suncoast Credit Union Foundation when you use your debit card
  • Get easy access to tens of thousands of ATMs through our extensive Suncoast ATM network, the CO-OP network and access at all Publix PRESTO ATMs

We’re Here for YOU

While big banks might take away features if they aren’t making money, credit unions give back profits to their members through lower rates on loans, higher earnings on deposits and more free services.

Suncoast exists to meet the financial needs of our members, so we’re not afraid to go above and beyond to take care of you.

We’re honored by the local and national accolades we’ve received, as they represent everything we’ve done to help our members and communities financially thrive.

Forbes Best-in-State Credit Unions

America’s Best-In-State Credit Unions 2020
By Forbes

Nerdwallet Best Credit Union 2019

Best Credit Union 2019
By Nerdwallet

Credit Unions Online Rank #2 of 100 Best Credit Unions

Ranked #2 of 100 Best Credit Unions
By creditunionsonline.com

Tampa Bay Times People's Choice 2019

People's Choice
Award 2020

By Tampa Bay Times

Best of the Bay 2020

Best of the Bay 2020
By Creative Loafing

Tampa Magazine 2020 Best Credit Union

2020 Best Credit Union
By South Tampa Magazine

Gulfshore Life The Best of the Gulfshore 2019

Reader's Choice Award
Finalist 2019

By Gulfshore Life

Hernando Sun Gold Winner 2019

Gold Winner 2019
By The Hernando Sun

Not a Member Yet? It’s Easy to Join!

Joining Suncoast is simple! To take advantage of the $25 offer for new checking accounts, sign up in-person at one of our service centers.

Prefer to join online? No problem, but please note this $25 offer is only valid for accounts opened in a branch.

*Fee-free checking means Smart Checking is free to open, free to maintain, free from balance minimums and free from monthly maintenance fees. Members may incur a charge for additional services and benefits associated with Smart Checking beyond standard monthly account management. See schedule for details.

Membership required. Minimum credit or risk score may be required to qualify for other services. $25 deposited in the new member checking account after the account has been opened and membership/opening requirements confirmed. Member must be at least 18 years of age. Not to be combined with any other offer. $25 deposit may qualify as taxable income and a 1099INT will be issued. Consult your tax advisor with any questions. Offer redeemable only when new Smart Checking account opened in a service center. Offer subject to change without notice and valid for checking accounts opened through 03/31/2021. Free ATM access is through the CO-OP ATM network.