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-6-Overdraft-Protection.JPG

    We’ve Got You Covered

    You probably do a great job managing your checking account. But when the occasional oversight or unexpected expense occurs, we offer free overdraft protection.

    Since no two members’ financial situations are alike, we designed a laddered line of defense to meet your needs and help protect you and your funds. Use your savings, money market account, Suncoast VISA Credit Card or personal line of credit* to cover any overdrafts you may have. And while some banks have fees associated with overdraft transactions, our services are free — as they should be.

    If you can’t use another Suncoast account as overdraft protection, Suncoast also offers Overdraft Privilege* for qualified members as protection against bounced checks. With this service, you won’t be charged a fee by the merchant for a bounced check, but you will be charged the Suncoast Paid NSF (non-sufficient funds) Fee.1

    *Qualification is required for a credit card, line of credit or overdraft privilege.

    1 If you overdraw your account you will be charged a PAID Non-Sufficient Funds (NSF) fee, of $29 per account per day.  The fee will be imposed on checks (excluding checks presented for cash at a teller window) or ACH debits presented when funds are not available. The account must be brought to a positive balance within 30 days. Limited to a $700 negative balance or 10 items per month; members who exceed these limits will be denied access to Overdraft Privilege. Fees are subject to change.

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
Solar Account

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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