Free is better than fees

Free Checking Account

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.

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.

Our excellent service is one of the reasons we were named Best Bank in Florida by Money magazine and voted Best Bank by readers of Creative Loafing for the Best of the Bay awards.

Forbes best in state credit union award

America’s Best-In-State Credit Unions 2022
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

Tampa Bay Times People's Choice 2021

People's Choice
Award 2021

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! You can sign up in-person at one of our service centers, call our Member Care Center at 800.999.5887 or enroll online.

*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.