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:

  • An image of three locks that represent fraud prevention

    Peace of Mind

    Here at Suncoast, we do everything in our power to ensure your information is safe and secure. Here's how:

    Travel Notifications

    Card use that is outside of your normal area or overseas can raise a flag with the fraud prevention team. This may cause your card to be temporarily blocked until we can verify a valid purchase. Set travel notifications in the Cards section of the SunMobile app or . You may also submit travel notifications in your nearest Suncoast branch or by phone at 800.999.5887. Travel notifications should be set at least 3 days prior to going out of town to avoid the inconvenience of a blocked card while traveling.

    Disputing Transactions on Your Account

    If you believe there’s been fraudulent activity on your account or if you’re unable to resolve a dispute with a merchant about a transaction, Suncoast can help.

    Online Banking to dispute a transaction. Simply click on the envelope icon next to the transaction you’re disputing, then click “dispute” and follow the prompts.

    You may also file a transaction dispute by signing in through the SunMobile app on your device and browsing to the Account History screen. Be sure to use the most updated version of the app that was released on November 22, 2016.

    You may also dispute a transaction in person at a Suncoast Service Center or by calling the Members Contact Center at 800-999-5887 — Monday through Friday 7:00 a.m. to 8:00 p.m. and Saturday 8:00 a.m. to 1:00 p.m.

    Lock and Unlock Your Cards with Card Lock

    If you misplace your debit card, use Card Lock to temporarily lock your card and protect your funds.

    Here’s how simple it is:

    1. Login to SunNet Online Banking or the SunMobile App
    2. Choose "Manage My Cards"
    3. All of your debit and/or credit cards will display, and you can lock or unlock each card as needed

    If you are unable to find your card because it has been lost or stolen, you can report it using the numbers below:

    • Debit Cards: 800-999-5887
    • Debit Card After Hours: 844-688-4725
    Join Now

Choose a Product:

Initial Deposit

Initial Deposit

Minimum Balance

Minimum Balance

Rate Type

Rate Type

Fixed or Variable

Dividend Rates*

Dividend Rates*

APY**

APY**

Annual Percentage Rate

Term in Months

Term in Months

Smart Checking $0

Initial Deposit

$0.00

Minimum Balance

$0.00

Rate Type

Variable

Dividend Rates*

0.05 %

APY**

0.05 %

Term in Months

N/A

Aditional Information

  • Smart Checking
    • $5 opening deposit required when opening online only.
    • 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.

 

Additional features you’ll get with Smart Checking at Suncoast include:

  • 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
  • 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 members ages 55 and up.
  • 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

Perks for Local Schools

With Smart Checking™, you'll get the free Suncoast Debit Card that rewards the community each time you use it.

Give Back

Every time you make a purchase with your debit card, Suncoast donates two cents to the Suncoast Credit Union Foundation, a 501(c) (3) nonprofit organization established to help children in the communities we serve. See how those pennies add up.

SunMobile app

Bring Us With You

SunMobile app

Download the SunMobile App!

The SunMobile app lets you manage your finances quickly, safely and securely from the convenience of your smartphone or tablet.

Easily deposit checks*, pay bills, pay a person, transfer funds, locate the nearest branches and ATMs, and view check images with SunMobile.

*Minimum credit or risk score required.

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