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.

Select a Service:

  • Checking-5-DirectDeposit.JPG

    Quick, Convenient & Direct

    With Direct Deposit, you can rest assured your money will arrive on time, even when you’re away. Your checks (including paychecks, social security checks, IRS tax refunds, Supplemental Security Income, retirement payments, dividends or annuity payments) will automatically be deposited into your account on payday.

    Direct Deposit means you don’t have to visit us to get access to your check — it’ll simply deposit into your account immediately. And most employers issue a Direct Deposit pay stub that’s identical to traditional ones so you’ll know how much was deposited and withheld. Plus, with Direct Deposit you can divide your pay automatically among your accounts in whatever way you choose.

    Signing up for Direct Deposit is simple:

    1. Fill out the appropriate Direct Deposit forms.
    2. Locate your checking account number.
    3. Have Suncoast’s routing number handy — 263182817.

    Read about assistance from government offices for federal deposit benefits in our FAQs.

Free Account Access – Now that's Smart!

Not only is account access totally free at Suncoast, all Suncoast Checking Accounts allow you to 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! 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.

Choose a Product:

Product Name

Initial Deposit

Minimum Balance

Rate Type

Dividend Rates*

APY**

Term in Months

Show Product Detail
Smart Checking

Initial Deposit

$25.00

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

$5.00

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

$25.00

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) and unlimited check writing. Smart Checking and Teen Checking accounts include one box of Suncoast exclusive checks free per year, and Smart Start accounts include the first box of Suncoast exclusive checks free.
  • 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 
Download Suncoast's app SunMobile

Download the SunMobile app

Download Suncoast's app SunMobile

Suncoast's mobile app, SunMobile, lets you manage finances quickly, safely and securely from the convenience of your smartphone or tablet. Easily deposit checks, pay bills, transfer funds, locate the nearest branches and ATMs, and view check images, all from the convenience of your mobile device.

 

Suncoast Credit Union Mobile App SunMobile

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