Features that Go Above and Beyond

You 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.

Select a Service:

  • Suncoast Credit Union debit cards

    Debit Cards to Match Your Lifestyle

    Every Smart Checking™ account comes with a Suncoast Rewards Visa® Debit Card that is easily accessible anywhere you go and secure to use.

    Use it everywhere. Use your Rewards Debit Card anywhere you shop — grocery stores, restaurants, gas stations and more. You can also use it as an ATM card for 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.

    Show your Rays pride! We are proud to exclusively offer the Suncoast Tampa Bay Rays Rewards Debit Card. Enjoy all the benefits of a Suncoast rewards debit card while showing love for your favorite team with every swipe! To get your Suncoast Rays Rewards Debit Cards, simply visit any Suncoast Credit Union service center and open a free Smart Checking account.2 

    Receive enhanced security. All Suncoast Rewards Debit Cards come with built-in chip technology for increased 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.

    Mobile pay available for your debit cards. We offer Apple Pay, Android Pay and Samsung Pay. These apps are easy to use, secure and accepted in millions of stores across the country. Go to our mobile pay page to learn more.

    2Credit Union membership, credit qualification and a Suncoast Smart Checking Account are required to access the Suncoast Tampa Bay Rays Rewards Debit Card.

    Suncoast Credit Union Mobile App SunMobile

    Get the SunMobile App!

Free Account Access – Now that's Smart!

All of our Suncoast checking accounts are fee-free! Plus you can earn rewards points and help local students every time you use your debit card. We’re proud of how we stack up against banks. See for yourself what “free” means at Suncoast! Plus, Suncoast understands sometimes you need another option when you're having trouble qualifying for a traditional checking account. That's why we offer our Smart Start Checking account to help you manage your finances.

Effective March 22, 2018, complimentary Suncoast exclusive style checks (for new accounts and one box per year for existing accounts) will only be available for Choice 55 Checking accounts.

Choose a Product:

Product Name

Initial Deposit

Minimum Balance

Rate Type

Dividend Rates*

APY**

Term in Months

Show Product Detail
Smart Checking

Initial Deposit

$0.00

Minimum Balance

$0.00

Rate Type

Variable

Dividend Rates*

0.05 %

APY**

0.05 %

Term in Months

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.
  • Dividends are compounded daily and credited monthly.
Show Product Detail
Teen Checking

Initial Deposit

$0.00

Minimum Balance

$0.00

Rate Type

Variable

Dividend Rates*

0.05 %

APY**

0.05 %

Term in Months

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.
  • Dividends are compounded daily and credited monthly.
Show Product Detail
Smart Start Checking

Initial Deposit

$0.00

Minimum Balance

$0.00

Rate Type

Variable

Dividend Rates*

0.05 %

APY**

0.05 %

Term in Months

N/A

  • Convenient mobile apps (iOS & Android) for online banking.
  • Each time you use your debit card for a purchase, Suncoast donates money to benefit local schools.
  • Dividends are compounded daily and credited monthly.
.

 

Additional features you’ll get with Smart Checking, Teen Checking and Smart Start Checking† 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
  • eStatements and combined account statements, also available in Spanish
  • Free images of cleared checks (up to 90-day account history)
  • 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. If you wish to opt-out of Visa Account Updater, you may do one of the following:

    • Call our Member Care Center: 813-621-7511 or 800-999-5887
    • Visit your local branch
    • Mail written request to: Suncoast Credit Union, ATM001, PO Box 11904, Tampa, FL 33680
Suncoast Rewards Visa Card

Rewards

Suncoast Rewards Visa Card

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.