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. 

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.

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    Switching Accounts

    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.
    2. Open a Suncoast Smart Checking account.
    3. Tell us what you need in your checking account, and we’ll get the features all set up. Forms can be found here.
    4. Close out your old account, using our Account Closing Request Form — it’ll make the transaction easier with your former bank. 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.


    Already a Member? Download a Smart Checking account application to open a checking account today. 

Free Account Access – Now that's Smart!

Not only is account access totally free at Suncoast, whether you choose Smart Checking, Teen Checking or the Solar Account, you’ll 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!

Product Name

Initial Deposit

Minimum Balance

Rate Type

Dividend Rates*

APY**

Term in Months

Smart Checking $25.00 $0.00 Variable 0.15 % 0.15 % 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.
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  • Dividends are compounded monthly and credited monthly.
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Teen Checking $5.00 $0.00 Variable 0.15 % 0.15 % 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.
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  • Dividends are compounded monthly and credited monthly.
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Solar Account $25.00 $0.00 Variable 0.15 % 0.15 % N/A
  • Free alternative to expensive prepaid cards.
  • No load fees.
  • No activation fees.
  • No ATM withdrawal fees from Suncoast ATMs, Publix Presto or within the CO-OP Network.
  • No declined transaction fees.
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  • Checks not available - access your account with the Solar debit card eliminating the need for checks.
  • You can only spend up to the amount on deposit in your Solar Account. If funds are not available, the transaction will simply be denied at the ATM or point-of-sale (withdrawals set up with ACH will be charged Suncoast’s $29 non sufficient funds fee if funds are not available in the account).
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Additional features you’ll get with Smart Checking, Teen Checking and Solar Account 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 for Smart Checking and Teen Checking only
  • eStatements and combined account statements, also available in Spanish
  • One box of Suncoast exclusive checks free per year, free images of cleared checks and unlimited check writing for Smart Checking and Teen Checking only
  • 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

Get the SunMobile App!
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