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.