Teen Checking
Smart money management begins here! Suncoast makes it simple for teens to understand their finances. Open a Smart Checking account with a small opening deposit today to get started.
Checking That's More Than Free
Not only is checking free at Suncoast, but you’ll also give back to the local community with every swipe of your debit card. We’re proud of how we stack up against banks. See for yourself some of the savings and benefits we offer.
Advantages
- Free debit card
- No monthly service fees, no activation fees, no ATM fees from Suncoast ATMs, Publix Presto ATMs or within the CO-OP Network
- Free online banking, bill pay and mobile banking
Teen Checking Benefits
Use Your Debit Card Everywhere and Anywhere
Use your Suncoast 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 for free at hundreds of Suncoast ATMs, Publix® Presto® ATMs^, and nearly 30,000 more ATMs nationwide through the CO-OP Network.
Plus, all Suncoast debit cards come with built-in chip technology for increased security. When you use your card at a chip-activated card reader, the embedded chip generates a one-time use code. This code is virtually impossible to counterfeit and helps reduce in-store fraud. We also offer Apple Pay, Android Pay and Samsung Pay. These apps are easy to use, secure and accepted in millions of stores across the country.
^Balance inquires will incur a $1 charge.
Bank Online and On-the-Go
We put the power of online banking in your hands — literally. With SunNet Online Banking and the SunMobile app, you can manage your finances quickly and securely using your smart phone or tablet. With SunNet Online Banking, you can easily check balances, review your history, transfer funds, pay bills and more. With the SunMobile app, you can also deposit checks* using your mobile device get push notifications about account balances, set other alerts and more.
Get Paid on Payday
With Direct Deposit, you can rest assured your money will arrive on time, even when you’re away. Your checks (including paychecks, social security checks, IRS tax refunds, Supplemental Security Income, retirement payments, dividends or annuity payments) will automatically be deposited into your account on payday. Most employers issue a Direct Deposit pay stub that’s identical to traditional ones so you’ll know how much was deposited and withheld. Plus, with Direct Deposit you can divide your pay automatically among your accounts in whatever way you choose.
We Have Your Back
Since no two members’ financial situations are alike, we designed a program to meet your needs and help protect you and your funds. When your account is opened, you have the option of authorizing the credit union to automatically transfer funds from your savings account, money market account, Suncoast Visa® credit card or personal line of credit to cover any overdrafts you may have. If you already have a checking account and are not sure if you have Overdraft Protection, simply call the Member Care Center at 800-999-5887 or visit a service center to take advantage of this free service.
Our Pennies Add Up Program
Every time you make a purchase with your debit card, Suncoast donates two cents to the Suncoast Credit Union Foundation, a 501(c) (3) nonprofit organization established to help children in the communities we serve. See how those pennies add up.
Teen Checking FAQ
When you turn 13, with the approval of your parent or legal guardian, you become eligible to open your first checking account with Suncoast.
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.
- Go to our Order Checks Online page to order from SunNet Online Banking
- Call 1.877.585.8777 to order checks from an automated phone service
- Stop by your local Suncoast branch to order checks in-person
- Order checks by mail using the reorder form in your current supply
Choose the way that works best for you and order your new checks today!
Order Checks OnlineSigning up for Direct Deposit is simple:
- Fill out the appropriate Direct Deposit forms.
- Locate your checking account number.
- Have Suncoast’s routing number handy — 263182817.
Read about assistance from government offices for federal deposit benefits in our FAQs.
Download Our Direct Deposit FormsPlease note that 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.
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.
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