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Teen Checking

Smart Money Management Begins Now

Suncoast Teen Checking has all the great features of Smart Checking, with a small opening deposit and a wealth of resources to make understanding finances simple.

Teen Checking

Managing your own money in your own account is a big responsibility. But Suncoast is here to help — every step of the way. 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. Download a Teen Checking Account application today.

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    Debit Cards 101

    When you turn 16, 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 debit card that rewards you and your local community each time you use it. It’s called the Suncoast Rewards Debit Card — and it’s absolutely free. Here’s how it works:

    Use It Everywhere

    Use your Rewards 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 completely free at hundreds of Suncoast ATMs, Publix® Presto® ATMs, McDonald’s® ATMs in select counties1, and nearly 30,000 more ATMs nationwide through the CO-OP Network.

    Earn Bonus Points

    Use your Rewards Debit Card for all your purchases to earn ScoreCard® Rewards Bonus Points, redeemable for valuable merchandise, iTunes gift cards and more. Earn one point for every $3 in net purchases you make when you use your Teen Checking card.

    Give Back

    In addition to giving you points, Suncoast donates two cents every time you use your card to the Suncoast Credit Union Foundation, a 501(c) (3) nonprofit organization established to help children in the communities we serve.

    Already a member? Download and fill out the Smart Checking account application, then turn it in to a local branch to open a checking account. 

    *Balance inquires will incur a $1 charge.

    **Free use of 64 ATMs at select McDonald’s® franchises in Hillsborough, Pasco, Pinellas, and Polk counties.

Checking That's More Than Free

Not only is checking free at Suncoast, but you’ll earn rewards redeemable for travel and merchandise plus local schools benefit as well.  We’re proud of how we stack up against banks. See for yourself some of the savings and benefits we offer.

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.
Read More >
  • Dividends are compounded daily 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.
Read More >
  • Dividends are compounded daily and credited monthly.
< Go Back

Additional features you’ll get with Smart Checking and Teen Checking at Suncoast include:

  • ScoreCard Bonus Reward Points
  • 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
  • Direct deposit and payroll deduction for Smart Checking and Teen Checking only
  • Free online banking, bill pay and mobile banking
  • eStatements and combined account statements, also available in Spanish
  • One box of Suncoast exclusive checks free per year, free images of cleared checks (up to 90-day account history), 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 

Suncoast Offers Scholarships

Suncoast, a proud supporter of public education, has provided more than 550 scholarships since 1990 to students pursuing higher education.

See for yourself how you could be eligible to receive a Suncoast Scholarship.