Premium Business Checking


Seacoast Bank’s Premium Business Checking account provides Florida businesses with a tailored solution that combines flexibility, security and comprehensive benefits. This account is built for small businesses and non-profits in Florida looking for reliable banking with added features.


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Designed for Sole Proprietors and Non-Profits

Tiered Interest Rate

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Premium Business Checking Account Features

Our Florida Premium Business Checking account offers an array of features to simplify your banking.

Dependable Banking Features

  • Digital Banking: Access your account anytime with Bill Pay, eBills, check images and eStatements1.
  • Nationwide ATM Access: Enjoy access to 55,000+ Allpoint® Fee-Free ATMs worldwide, spanning the U.S., United Kingdom, Canada, Australia and Mexico2.
  • No Monthly Fee: Keep a minimum daily balance of $1,500 to waive the monthly maintenance fee, or $15 will apply otherwise3.
  • 75 Free Monthly Items: Covers checks, paid items and deposit slips. After 75 items, a fee of $0.35 applies per additional item4.
  • Safe Deposit Box Discount: Secure important documents with a 50% discount on a safe deposit box.

Flexible Transaction Options

  • Seacoast Bank Visa® Business Debit Card: Complimentary debit card with Visa’s Zero Liability5 protection for secure transactions.
  • Remote Deposit Capture: Deposit checks conveniently from your office for $30/month (for new RDC accounts).
  • Easy Wire Transfers: Send funds directly from your online account for efficient business transactions6.
  • ACH Positive Pay: Protects against unauthorized transactions by verifying both electronic transactions and checks7.

Innovative Solutions

  • Easy-Switch Concierge: Get personal assistance to transition your business banking to Seacoast seamlessly.
  • Lockbox Services: Streamlines receivables by processing payments directly into your account7.
  • Merchant Services: Supports credit and debit card processing, essential for efficient customer payments7.
  • Account Reconciliation Services: Simplifies month-end bookkeeping for more accurate financial management7.
  • Eligibility for Sole Proprietors and Non-Profits: Specially designed to meet the needs of sole proprietors and non-profit organizations.

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

3. $0 monthly maintenance fee when you maintain a minimum daily balance of $1,500. Otherwise, a $15 monthly maintenance fee will apply.

4. "Items" include checks paid, deposit slip and each check within the deposit.

5. Visa’s Zero Liability Policy covers U.S.-issued cards only. Does not apply to ATM transactions, certain commercial card transactions, PIN transactions not covered by Visa or any other transactions not processed by Visa. You must notify your financial institution immediately of any unauthorized use. This card is issued by Seacoast Bank pursuant to a license from Visa USA, Inc. Visa is a registered trademark of Visa International Service Association.

6. Subject to an additional fee.

7. Available as an addition to your business checking account. A monthly fee will be assessed for this service.

$0 Monthly Maintenance Fee When You:

Maintain a $1,500 Minimum Daily Balance
Otherwise a $15 monthly maintenance fee will apply

Opening Your Premium Business Checking Account is Simple.

1. Provide Your Information:
Give us basic details like business name, address, Tax ID and contact information.8
2. Fund Your Account:
Begin with an opening deposit to activate your account right away.
3. Start Banking with Confidence:
Schedule a brief call with a Seacoast Banker to finalize your account.

Setting up your Premium Business Checking account is quick and straightforward.

8. Each time an account is opened for a covered Legal Entity, the Bank Secrecy Act requires us to ask you for identifying information (name, address, date of birth, tax identification number), as well as identification documentation for each individual that has 25 percent or more Beneficial Ownership in the Legal Entity; and, one individual that has Significant Managerial Control of the Legal Entity. If you are opening an account on behalf of a Legal Entity, you will be required to provide name, date of birth, Tax Identification Number, and address. For foreign owners, you also will be asked to provide a copy of the owner’s passport, and certify that all information is true and accurate to the best of your knowledge.

Frequently Asked Questions

Can I link my Premium Business Checking account to a business savings account?

Is overdraft protection available for Premium Business Checking?

  • Yes, overdraft protection is available for this account when you link your Premium Business Checking to a Seacoast Business Savings account.

Do I need separate business accounts for different branches of my company?

  • It depends on your business structure, but having separate accounts for each branch can streamline financial management and reporting.

What are the benefits of maintaining the required minimum balance in my Premium Business Checking account?

  • Maintaining the required minimum balance helps you avoid monthly maintenance fees and may give you access to additional banking perks.

Are there any extra fees with the Premium Business Checking account?

  • Certain fees may apply, such as for wire transfers or using out-of-network ATMs. Review your account terms for a detailed breakdown.

Is my money safe in a Premium Business Checking account?

  • Yes, all deposits in a Premium Business Checking account are insured by the FDIC up to applicable limits, providing security for your business funds.

Does the Premium Business Checking account include a debit card?

  • Yes, a debit card is provided with this account, giving you convenient access for purchases and withdrawals.

Can I manage my Premium Business Checking account online?

  • Yes, you can access and manage your Premium Business Checking account through our secure digital banking solutions.

Does the Premium Business Checking account offer any rewards or incentives?

  • Depending on your balance and usage, you may benefit from waived fees and other premium features designed for business growth.

What happens if my business needs change and I require additional banking services?

  • Seacoast Bank offers tailored solutions, so you can add services like merchant processing or cash management to fit your evolving business needs. Visit our payments and processing section for a full list of solutions.

Connect with a Local Banker about a Business Checking Account.

Are you interested in contacting a local, Florida banker to discuss your individual financial needs? We’d love to speak with you. Schedule a consultation today.

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Convenient & Secure Business Banking On The Go.

Access your business accounts from your mobile device anytime, anywhere using the Seacoast Mobile Banking app.

 

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Our Four Promises.

At Seacoast Bank, everything we do is based upon core beliefs summarized in the Four Promises we make to you. When you entrust your banking to us, we promise to:
right team to serve you
Get you comfortable with the right products and the right team to serve you
Make your day-to-day banking simple
Make your day-to-day banking simple
Resolve out-of-the-ordinary items responsively
Resolve out-of-the-ordinary items responsively
Invest in you and your community
Invest in you and your community