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  Suncoast Credit Union Smart Checking
Suncoast Credit Union Smart Checking
in Checking Accounts from Suncoast Credit Union · ncua
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Suncoast Credit Union Smart Checking

Unaffiliated
in Checking Accounts from Suncoast Credit Union · Insured by NCUA
Net Recommendation Score 0  

SUPERMONEY NET RECOMMENDATION SCORE

This product is mostly not recommended by SuperMoney users with a score of 0, equating to 3 on a 5 point rating scale.

0

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

Rating not yet determined  

0 users recommend
1 user is unsure
0 users don't recommend
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Highlights
Community Rating

Rating not yet determined  

Cashback Rewards N/A
APY (Annual Percentage Yield) 0.010%
(Verified 08/08/2022)
Monthly Fee $0
Minimum Balance to Avoid Monthly Fee Starting at $0

Suncoast Credit Union Smart Checking Review

Suncoast Credit Union Smart Checking is offered by Suncoast Credit Union, a credit union founded in 1934 and based in Tampa, FL. Suncoast Credit Union Smart Checking is available in 50 states (and Washington, DC).

Key Takeaways
  • Low APY. The maximum annual percentage yield for this account is only 0.010%.
  • $0 monthly fee. This account does not charge a monthly Service Charge.
  • No minimum initial deposit. There is no minimum balance required to open an account.
  • No ATM fees. Suncoast Credit Union Smart Checking does not charge fees on ATM transactions within its network but there is a fee of up to $1.50 for out-of-network ATM transactions.
  • Bill pay. Pay your bills to practically anyone in the United States through Suncoast Credit Union.
Suncoast Credit Union checking account Pros & Cons
Pros Cons
  • Available in all 50 states.
  • Dividend-yielding account
  • Insured by NCUA.
  • Access to physical branches.
  • Free debit card
  • No signup bonus.
  • Higher than average wire transfer fees.
  • Charges a fee on out-of-network ATM transactions.
Suncoast Credit Union checking account FAQ

Are checking accounts from Suncoast Credit Union federally insured?

Yes, your Suncoast Credit Union checking accounts are insured up to $250,000 per share owner for each account ownership category. The National Credit Union Administration (NCUA), a federal agency, administers the insurance fund and regulates federally insured credit unions. The fund is backed by the full faith and credit of the U.S. Government.

What APY does Suncoast Credit Union checking account offer?

Suncoast Credit Union Smart Checking Rates & Terms
Description
APY (Annual Percentage Yield) 0.010%

Suncoast Credit Union checking account offers an APY of 0.010% (APY stands for annual percentage yield, rates may change).

What are the account minimums for Suncoast Credit Union checking account?

Suncoast Credit Union checking account does not require a minimum initial deposit.

Suncoast Credit Union Smart Checking Minimums
Description
Minimum Balance to Earn APY $0
Minimum Opening Deposit $0 - $5
Minimum Balance to Avoid Monthly Fee Starting at $0

What fees does Suncoast Credit Union checking account charge?

The good news is that this account does not have a monthly Service Charge.

Suncoast Credit Union Smart Checking Fees
Description
ATM Fee: In-Network $0
Check Copy $1
Debit Card Replacement Fee $5
Early Account Closure $0
Foreign Transaction Fee (Debit Card) 1%
Monthly Fee $0
NSF Fee $29
Online Bill Pay Fee $0
Overdraft Item Fee $29
Overdraft Protection Fee (per transfer) $0
Paper Statement Fee $2
Returned Deposit Fee (Domestic) $10
Returned Deposit Fee (International) $20
Stop Payment Fee $29
Wire Transfer Fee - Domestic (Incoming) $5
Wire Transfer Fee - Domestic (Outgoing) $20
Wire Transfer Fee - International (Incoming) $5
Wire Transfer Fee - International (Outgoing) $35
ATM Fee: Out-of-Network Starting at $1.50

Does Suncoast Credit Union checking account charge overdraft fees?

Yes, Suncoast Credit Union checking account charges a $29 fee for every overdraft.

What features and perks does Suncoast Credit Union checking account offer?

This account includes the following features:

  • Check images with statement - Reconciling your accounts and complying with document retention standards is easier when you have access to a copy of your checks.
  • Fraud monitoring - Suncoast Credit Union checking account monitors transactions for potentially unauthorized activity, such as when a debit card is unexpectedly used in a different location or you make a sudden string of costly purchases.
  • Online Bill Pay - Online Bill Pay allows you to pay bills easily from your account.
  • Mobile Banking Services - Suncoast Credit Union checking account allows you to manage your money online or with a mobile app. This includes depositing checks in your account with a mobile app on your smartphone.
  • Nationwide ATM network - Conveniently transact at a nearby ATM.

What is the customer support email for Suncoast Credit Union checking account?

The customer support email for Suncoast Credit Union checking account is contactus@suncoastcreditunion.com.

How do people rate the customer service and user experience of Suncoast Credit Union checking account?

Overall, Suncoast Credit Union checking account is mostly recommended based on community reviews that rate customer service and user experience.

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Message From Suncoast Credit Union

Make the most out of your everyday purchases with a free Suncoast Smart Checking® account with no monthly fees. Help the community whenever you use your debit card, as we donate two cents for every swipe. Access tens of thousands of ATMs for free through the CO-OP Network.

You expect a lot out of a checking account, and so do we. Smart Checking™ is simple and free, and it helps your community every time you use your check card. Smarter in every sense of the word. Suncoast Smart Checking™ is the smart choice for you — and your community. Get all the benefits of free checking plus the added bonus of helping local schools. 

Contact

Hours of Operation

  • Sunday Closed
  • Monday 8:00am - 6:00pm
  • Tuesday 8:00am - 6:00pm
  • Wednesday 8:00am - 6:00pm
  • Thursday 8:00am - 6:00pm
  • Friday 8:00am - 6:00pm
  • Saturday 8:00am - 1:00pm

Other Services by Suncoast Credit Union

Availability

  Available in 50 states and Washington, D.C.
  • Alaska
  • Alabama
  • Arkansas
  • Arizona
  • California
  • Colorado
  • Connecticut
  • Washington, DC
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Iowa
  • Idaho
  • Illinois
  • Indiana
  • Kansas
  • Kentucky
  • Louisiana
  • Massachusetts
  • Maryland
  • Maine
  • Michigan
  • Minnesota
  • Missouri
  • Mississippi
  • Montana
  • North Carolina
  • North Dakota
  • Nebraska
  • New Hampshire
  • New Jersey
  • New Mexico
  • Nevada
  • New York
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Virginia
  • Vermont
  • Washington
  • Wisconsin
  • West Virginia
  • Wyoming

Feature Breakdown

Minimum Balance to Earn APY $0
Minimum Opening Deposit $0 - $5
Minimum Balance to Avoid Monthly Fee Starting at $0
ATM Fee: In-Network $0
Early Account Closure $0
Monthly Fee $0
Online Bill Pay Fee $0
Overdraft Protection Fee (per transfer) $0
Check Copy $1
Debit Card Replacement Fee $5
Foreign Transaction Fee (Debit Card) 1%
NSF Fee $29
Overdraft Item Fee $29
Paper Statement Fee $2
Returned Deposit Fee (Domestic) $10
Returned Deposit Fee (International) $20
Stop Payment Fee $29
Wire Transfer Fee - Domestic (Incoming) $5
Wire Transfer Fee - Domestic (Outgoing) $20
Wire Transfer Fee - International (Incoming) $5
Wire Transfer Fee - International (Outgoing) $35
ATM Fee: Out-of-Network Starting at $1.50
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Verification Documents Required
  • Proof of Identity
  • Government Issued Photo ID
  • Social Security Number
Account Features
  • No ATM Fees
  • Free Bill Pay
  • Mobile Check Deposit
  • No Monthly Maintenance Fee
  • Interest Bearing Account
  • Nationwide ATM Network
  • Check Images with Statement
  • Mobile Banking
  • Fraud Monitoring
  • Fraud Protection
  • Debit Card
  • Bauer Financial A+/A Rating
  • Insured by NCUA
  • Branch Access
Signup Bonus Starting at $0
APY (Annual Percentage Yield) 0.010%
(Verified 08/08/2022)

Suncoast Credit Union Smart Checking Community Reviews

 

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SUPERMONEY NET RECOMMENDATION SCORE

This product is mostly not recommended by SuperMoney users with a score of 0, equating to 3 on a 5 point rating scale.

0

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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