Suncoast Credit Union Smart Checking

Smart Checking

Smarter in every sense of the word.

Suncoast Smart Checking™ is the smart choice for you — and your community. Get all the benefits of free checking plus the added bonus of helping local schools. 

Features that Go Above and Beyond

Suncoast Credit Union ReviewsYou expect a lot out of a checking account, and so do we. Smart Checking is simple and free, and it helps your community every time you use your check card.

  • A new frontier in fraud protection and technology

    Suncoast Credit Union Visa® Rewards Debit Cards now come with built-in chip technology. These new cards are not only more secure – they’re also easy to use.

    When your current debit card expires, your next card will be a chip card. Can’t wait? Chip cards are also available upon request. Simply call the Members Contact Center at 800.999.5887 to receive yours in the mail within 7-10 business days or visit any branch to get an instant issue chip card. 

    Receive enhanced security. When you use your card at a chip-activated card reader, the embedded chip generates a one-time use code. This code is virtually impossible to counterfeit and helps reduce in-store fraud.

    Enjoy global acceptance. More merchants are accepting chip transactions every day. Whether you check out using chip technology or swipe your card, you can pay with confidence wherever Visa Rewards Debit Cards are accepted. Plus, continue to use your card online and by phone.

    Chip-activated card readers are coming to certain U.S. retailers this year – and more locations in the years to come. If a merchant cannot accept chip transactions, simply swipe your card to pay.

    If a chip-activated card reader is available, follow these easy steps:

    1. Insert the chip end of your card into the card reader with the chip facing up.
    2. Keep your card in the card reader throughout the transaction and follow the prompts on screen.
    3. Remove your card when prompted and take your receipt.

    Watch this demonstration video by Visa.


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Free Account Access – Now that's Smart!

Not only is account access totally free at Suncoast, whether you choose Smart Checking, Teen Checking or the Solar Account, you’ll earn rewards points redeemable for travel and merchandise, and local schools in the community benefit as well. We’re proud of how we stack up against banks. See for yourself what “free” means at Suncoast!

Product Name

Initial Deposit

Minimum Balance

Rate Type

Dividend Rates*

APY**

Term in Months

Smart Checking $25.00 $0.00 Variable 0.15 % 0.15 % N/A
  • Convenient mobile apps (iOS & Android) for online banking and check depositing while on-the-go.
  • Each time you use your debit card for a purchase, Suncoast donates money to benefit local schools.
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  • Dividends are compounded monthly and credited monthly.
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Teen Checking $5.00 $0.00 Variable 0.15 % 0.15 % N/A
  • Convenient mobile apps (iOS & Android) for online banking while on-the-go.
  • Each time you use your debit card for a purchase, Suncoast donates money to benefit local schools.
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  • Dividends are compounded monthly and credited monthly.
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Solar Account $25.00 $0.00 Variable 0.15 % 0.15 % N/A
  • Free alternative to expensive prepaid cards.
  • No load fees.
  • No activation fees.
  • No ATM withdrawal fees from Suncoast ATMs, Publix Presto or within the CO-OP Network.
  • No declined transaction fees.
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  • Checks not available - access your account with the Solar debit card eliminating the need for checks.
  • You can only spend up to the amount on deposit in your Solar Account. If funds are not available, the transaction will simply be denied at the ATM or point-of-sale (withdrawals set up with ACH will be charged Suncoast’s $29 non sufficient funds fee if funds are not available in the account).
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Additional features you’ll get with Smart Checking, Teen Checking and Solar Account at Suncoast include:

  • ScoreCard Bonus Reward Points
  • Free online banking, bill pay and mobile banking
  • Free ATM access at Suncoast ATMS, Publix Presto ATMs, McDonald’s® ATMs in select counties1 and tens of thousands more through the CO-OP Network
  • No monthly service fees, no activation fees, no ATM fees from Suncoast ATMs, Publix Presto ATMs or within the CO-OP Network
  • Direct deposit and payroll deduction for Smart Checking and Teen Checking only
  • eStatements and combined account statements, also available in Spanish
  • One box of Suncoast exclusive checks free per year, free images of cleared checks and unlimited check writing for Smart Checking and Teen Checking only
  • Visa Account Updater (VAU), which will automatically update your cardholder data with participating merchants when your card information changes, including recurring payments and card-on-file relationships 
Suncoast Rewards Visa Card

Rewards

Use your Rewards Check Card just like any other debit card anywhere you shop — grocery stores, restaurants, gas stations and more. You can also use it as an ATM card completely free at hundreds of Suncoast ATMs, Publix® Presto® ATMs*, McDonald’s® ATMs in select counties**, and nearly 30,000 more ATMs nationwide through the CO-OP Network.

*Balance inquires will incur a $1 charge.

**Free use of 64 ATMs at select McDonald’s® franchises in Hillsborough, Pasco, Pinellas, and Polk counties.