Personal Checking Accounts

Personal checking that’s designed around you.
 
Choose Your Account

At Seacoast, we believe our personal banking solutions should be just that, personal. That’s why we offer a wide range of checking account options to meet your needs

From convenient Online & Mobile Banking1 to our wide network of branches and ATMs, we make it easy to access your money from anywhere.

Open a checking account online or visit us at your local branch, where our friendly, knowledgeable Seacoast associates are always available to help you find your best personal banking solutions.

The Best Personal Checking Account Checks All the Boxes

Explore your options at Seacoast Bank:

Convenience & Security Built Into Every Account

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Mobile Deposit

Deposit a check anywhere, anytime using the Seacoast Mobile Banking app on your smart device.
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Custom Alerts

Get real time alerts for balances, deposits, transactions, account security and more.
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Money Management Tools

Track your spending and categorize transactions across all your linked bank accounts.
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Access to Zelle®2

Send and receive money with Zelle®2 - it’s fast, safe and easy.
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Card Controls

Manage and safeguard your Seacoast Bank Visa® Debit Card from Seacoast Bank Online & Mobile Banking1.
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Enhanced Security

Keep your account safe with security features like Touch ID, Face ID and multi-factor authentication.

Seacoast Personal Checking Features

Enjoy cutting-edge banking features no matter what personal checking account type you choose.

  • Online & Mobile Banking1
  • Mobile check deposit
  • Visa® debit card
  • Allpoint fee free ATMs3

How to Choose the Checking Account for You

Choosing the right checking account will help you manage your finances more effectively. With so many banking options available, understanding your financial needs and preferences can help you choose the account that suits you best.

When assessing what type of checking account you need, consider the features that make the account unique and what would fit you best, including:

1. Assess Your Banking Habits

Evaluate how you typically use your checking account. Consider the number of monthly transactions, ATM usage, online banking preferences and whether you maintain a minimum balance.

Understanding your habits will help you choose an account with suitable features for your banking needs.

2. Fee Structure

Compare the fee structures of different checking accounts. Look at and compare monthly maintenance fees, ATM fees, overdraft charges and minimum balance requirements.

3. Overdraft Protection

Check if the checking account includes overdraft protection options. If this is a feature you use, ensure the account you choose comes with it. Overdraft protection can help you avoid costly penalties.

4. Special Features and Bonuses

Some accounts come with special offerings, such as cash rewards for opening an account, referral bonuses or discounts on other financial products. While this shouldn't be your sole basis for choosing an account, it can serve as an additional bonus if a particular account aligns with your lifestyle.

FAQs & Resources

Resources

 

Personal Checking Account FAQs

How Do I Open a Checking Account and What Do I Need?

  • To open a checking account, apply online or visit your nearest Seacoast Bank branch. You'll need to provide a valid ID (driver's license, passport, or government-issued ID), be a legal U.S. resident with a Florida address, be at least 18 years old and provide your Social Security number to get started.

Can I Open a Checking Account Online?

Can I Make Purchases Online Using My Checking Account Information?

  • As long as the website you are purchasing from accepts this method of payment, you can use your account information to make online purchases. Ensure you protect your account details and only share them with trusted online merchants.

How Old Do I Have to Be to Open a Checking Account?

  • You need to be at least 18 years old to open a checking account on your own. However, Seacoast offers Freestyle Student Checking accounts for students aged 14-24. This account can be opened with a parent or guardian's signature if the student is under 18.

Does Credit Score Affect Opening a Checking Account?

  • Your credit score does not impact your ability to open a checking account. Checking accounts are focused on your banking history and financial responsibility rather than your credit score alone.

What is the Difference Between a Checking and Savings Account?

  • A checking account is for daily transactions like paying bills and making purchases. They offer easy access to your money through debit cards and checks. A savings account stores money over time, offering higher interest rates than checking accounts. However, they come with fewer transaction capabilities.

What is an Interest-Bearing Checking Account?

  • An interest-bearing checking account is a checking account that pays interest on the balance maintained in the account. Unlike traditional checking accounts that usually offer minimal interest, an interest-bearing checking account allows you to earn a small amount of interest on the money you keep in the account.

Does Seacoast Offer Free Checking Accounts?

  • Seacoast offers free checking accounts with no monthly maintenance fees or minimum balance requirements.

Have Questions? Speak with a Seacoast Banker

As your local banking option, we are here to answer any questions you have. Fill out the form below and a Seacoast Banker will be in touch soon.

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800.706.9991
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1. You may be charged fees by the provider of the wireless network you are using to access mobile banking and mobile deposit services.

2. U.S. checking or savings account required to use Zelle®. Transactions between enrolled users typically occur in minutes. Zelle and the Zelle related trademarks are wholly owned by Early Warning Services, LLC and are used herein under license.

3. No Fees at Allpoint® ATMs. Worldwide includes the USA, United Kingdom, Canada, Australia, and Mexico.