Student Checking Account

Managing your own money in your own account is a big responsibility. But Suncoast is here to help – every step of the way.

Select a Service:

  • Student on laptop in classroom

    Open a Teen Checking Account

    If you’re 13 or older, and your parent or legal guardian is willing to be a joint owner, our teen checking account is perfect for you. And it’s free.

    Already a member? Visit a local branch to open a checking account.

    Not a Member?

    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*

0.010 %

APY**

0.010 %

Term in Months

N/A

Additional 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.

  • Free debit card
  • 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
  • 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.
  • Free online banking, bill pay and mobile banking
  • 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

Debit Cards for Teens

When you turn 13, with the approval of your parent or legal guardian, you become eligible to open your first checking account with Suncoast. Once you open an account, you’ll get a free debit card that rewards the community each time you use it.

Here’s how it works:

Use It Everywhere

Use your debit card anywhere you already shop — at the movies, your favorite stores, restaurants, gas stations and more. You can also use it as an ATM card for free at hundreds of Suncoast ATMs, Publix® Presto® ATMs*, McDonald’s® ATMs in select counties**, and nearly 30,000 more ATMs nationwide through the CO-OP Network.

*Balance inquires will incur a $1 charge. **Free use of 64 ATMs at select McDonald’s® franchises in Hillsborough, Pasco, Pinellas, and Polk counties.

Give Back

Every time you use your card, we’ll donate two cents to the Suncoast Credit Union Foundation, a 501(c) (3) nonprofit organization established to help children in the communities we serve.

Already a member? Visit a local branch to open a checking account.