Solar Account

The planets have aligned creating the Suncoast Solar Account.  It’s the perfect combination of free checking and prepaid cards, offering the convenience you need for everyday purchases.

 

It's More than a Prepaid Card

Introducing the Solar Account featuring the Solar debit card. A prepaid card, simplified. No service fees, no load fees, none of the typical fees associated with a prepaid card. The Solar debit card can be used anywhere Visa is accepted. We can show you how the Solar debit card can save you both time and money.

  • Solar Debit Card Account

    A Free Alternative to Prepaid Cards

    If you’re currently using a re-loadable prepaid card to pay for day-to-day necessities, then chances are, you’re paying high fees for the convenience. If you’ve simply chosen to use prepaid cards, now is the time to consider a free alternative — the Suncoast Solar Account.

    No Prepaid Card Fees

    Unlike prepaid cards that typically cost $10 or more per month, the Solar debit card is free. You’ll be prevented from overspending your account, and avoid overdraft checking fees* while protecting your credit rating.

    • No monthly service fees
    • 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

    Need more information? Simply, contact us.

    *ACH NSF fees will apply. Immediate funds availability for direct deposits, transfers from your existing Suncoast account and cash. Availability of check deposits is subject to our Funds Availability Policy. ATM and RDC deposit restrictions may apply.

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