Switching to a Suncoast Checking Account

Skip the long forms, confusion and hassle when switching your checking account!

Select a Service:

  • couple at their home office laptop

    It’s Simple

    Just the idea of switching checking accounts can be intimidating, but we’ve made the transition as painless as possible.

    1. Become a Suncoast member and open a Smart Checking account.
    2. Tell us what you need in your checking account, and we’ll get the features all set up.
    3. Close out your old account, using our Account Closing Request Form — it’ll make the transaction easier with your former financial institution. Make sure to verify that all outstanding transactions on your old account have cleared and direct deposits have been transferred prior to closing your old account.

    Membership Eligibility

    We’ve made it easy to check your eligibility. Just answer the questions on our Membership Eligibility page to join more than half a million members already enjoying the Suncoast difference— you can open your membership account online or walk-in to one of our convenient branch locations.

    Already a Member? Call 1-800-999-5887 or come into a branch to open a checking account today. 

Choose a Product:

Product Name

Initial Deposit

Minimum Balance

Rate Type

Dividend Rates*

APY**

Term in Months

Show Product Detail
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

  • $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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