Suncoast Credit Union Smart Checking

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. 

Join Now It's Easy! Check Eligibility

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.

  • 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.

    Join Now

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.

Product Name

Initial Deposit

Minimum Balance

Rate Type

Dividend Rates*

APY**

Term in Months
Smart Checking $25.00 $0.00 Variable 0.05 % 0.05 % 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.
Read More >
  • Dividends are compounded daily and credited monthly.
< Go Back
Teen Checking $5.00 $0.00 Variable 0.05 % 0.05 % 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.
Read More >
  • Dividends are compounded daily and credited monthly.
< Go Back
Smart Start Checking $25.00 $0.00 Variable 0.05 % 0.05 % 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

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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