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.
- Overview
- Student Checking
- Debit Cards
- Switching Accounts
- Direct Deposit
- Overdraft Protection
- Order New Checks
- Mobile & Online Banking
Select a Service:
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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 SunNet Online Banking. 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.
Log in to SunNet 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:
- Login to SunNet Online Banking or the SunMobile App
- Choose "Manage My Cards"
- 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
Choose a Product:
Initial Deposit
Minimum Balance
Rate Type
Fixed or Variable
Dividend Rates*
APY**
Annual Percentage Rate
Term in Months
Smart Checking $0
Initial Deposit
$0.00
Minimum Balance
$0.00
Rate Type
Variable
Dividend Rates*
0.010 %
APY**
0.010 %
Term in Months
N/A
Additional Information
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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. Please note that should you overdraw your account, there is a fee for insufficient funds that are both Paid Non-sufficient Funds (NSF) and/or Check/ACH debit return unpaid Items. See Fee Schedule for details.
- 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.
Bring Us With You
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 checks6, pay bills, pay a person, transfer funds, locate the nearest branches and ATMs, and view check images with SunMobile.
6Minimum credit or risk score required.
System requirements.
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