Suncoast Smart Checking™

We’ve made it easy to check your eligibility. Just answer the questions on our Membership Eligibility page to join more than half a million members already enjoying the Suncoast difference— you can open your membership account online or walk-in to one of our convenient branch locations.

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 and open a Smart Checking account.
2. Tell us what you need in your checking account, and we’ll get the features all set up.
3. Close out your old account, using our Account Closing Request Form — it’ll make the transaction easier with your former financial institution. 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.

Signing up for Direct Deposit is simple:

1. Fill out the appropriate Direct Deposit forms.
2. Locate your checking account number.
3. Have Suncoast’s routing number handy — 263182817.

Read about assistance from government offices for federal deposit benefits in our FAQs.

Overdraft protection is a free program that allows members to assign designated source accounts to serve as backup to their draft account when checks or debits are presented for more than the available balance.

Should you overdraw your account, there is a fee for insufficient funds that are both Paid Non-sufficient Funds (NSF) and/or Check/ACH debit return unpaid Items. See Fee Schedule for details.

If you can’t use another Suncoast account as overdraft protection, Suncoast offers Courtesy Pay for qualified members as protection. With this service, you won’t be charged a fee by the merchant for a returned item, but you will be charged the Suncoast Paid NSF (non-sufficient funds) fee.

If your checking account qualifies, then Suncoast will pay a limited number and type of items (checks, ACH transactions, bill pay transactions, and person-to-person P2P payments) and bring your account balance below $0 when the checking account would not otherwise have enough money to pay those items. We call this service Courtesy Pay. We notify you by mail or e-notice (based on your account preferences) when your account has been brought to a negative balance to pay item(s). Then, you must bring your account to a positive balance within 30 days. You may also opt-in for debit card purchases to be included in the items we pay with Courtesy Pay. You may opt-out of Courtesy Pay by contacting our Member Care Center at 800-999-5887, logging into SunNet Online Banking or the SunMobile app, visiting your local branch, or notifying us in writing by mailing to Suncoast Credit Union, Attn: MSS001, P.O. Box 11904, Tampa, FL 33680. 

Yes. Your Suncoast card comes with 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. If you wish to opt-out of Visa Account Updater, you may do one of the following:

Call our Member Care Center: 813-621-7511 or 800-999-5887

Visit your local branch

Mail written request to: Suncoast Credit Union, ATM001, PO Box 11904, Tampa, FL 33680

Yes, eStatements and combined account statements, are also available in Spanish.

Yes, we provide free images of cleared checks with up to a 90-day account history.

Complimentary Suncoast exclusive style checks (for new accounts and one box per year for existing accounts) are only be available for members ages 55 and up.