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  Suncoast Credit Union Smart Checking

Suncoast Credit Union Smart Checking

in Checking Accounts from Suncoast Credit Union

Unaffiliated

Suncoast Credit Union Smart Checking

Unaffiliated

in Checking Accounts from Suncoast Credit Union

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SUPERMONEY NET RECOMMENDATION SCORE

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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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Highlights
Community Rating

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Monthly Fee $0
ATM Fee: Out-of-Network $1.50
Minimum Balance to Avoid Monthly Fee N/A
APY (Annual Percentage Yield) 0.05%

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 1 state across the USA.

Key Takeaways
  • Low APY. The maximum annual percentage yield for this account is only 0.05%.
  • $0 monthly fee. This account does not charge a monthly maintenance fee.
  • No ATM fees. Suncoast Credit Union Smart Checking does not charge fees on ATM transactions.
  • Free bill pay. Pay your bills to practically anyone in the United States through Suncoast Credit Union.
  • Hard credit pull. Suncoast Credit Union may require a hard pull on your credit report to open a checking account.
Suncoast Credit Union Smart Checking Pros & Cons
Pros Cons
  • Interest-yielding account.
  • Access to physical branches.
  • Free debit card
  • No signup bonus.
  • Not FDIC-insured.
  • Only available in one state.
  • Higher than average wire transfer fees.
  • Charges a fee on out-of-network ATM transactions.
Suncoast Credit Union Smart Checking FAQ

Are checking accounts from Suncoast Credit Union federally insured?

Yes, your Suncoast Credit Union checking accounts are insured up to $250,000 per person by the National Credit Union Share Insurance Fund (NCUSIF). Individual Retirement Accounts (IRA) are insured separately up to $250,000. 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 Smart Checking offer?

Suncoast Credit Union Smart Checking Rates & Terms
Description
APY (Annual Percentage Yield) 0.05%

Suncoast Credit Union Smart Checking offers an APY of 0.05% (APY stands for annual percentage yield, rates may change).

What are the account minimums for Suncoast Credit Union Smart Checking?

Suncoast Credit Union Smart Checking does not require a minimum initial deposit.

Suncoast Credit Union Smart Checking Account Minimums
Description Amount
Minimum Initial Deposit $0

What fees does Suncoast Credit Union Smart Checking charge?

The good news is that this account does not have a monthly service charge.

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

What features and perks does Suncoast Credit Union Smart Checking 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 Smart Checking monitors transactions for potentially fraudulent activity, such as when a debit card is unexpectedly used in a different location or you make a sudden string of costly purchases.
  • Free Bill Pay - Bill Pay allows you to pay bills easily from your account.
  • Mobile Banking Services - Suncoast Credit Union Smart Checking allows you to manage your money online. This includes depositing checks in your account with your smartphone.
  • Nationwide ATM network - Conveniently transact at a nearby ATM.
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Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Contact

Other Services by Suncoast Credit Union

Availability

  Available in 1 state
Florida
Availabile in all of Florida

Feature Breakdown

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 $1.50
Bank Account Features
  • No ATM Fees
  • IRAs
  • Branch Access
  • NCUA Member
  • Bauer Financial A+/A Rating
  • Debit Card
  • Free Bill Pay
  • Fraud Monitoring
  • Mobile Banking
  • Check Images with Statement
  • Nationwide ATM Network
  • Interest Bearing Account
  • No Monthly Maintenance Fee
  • Mobile Check Deposit
APY (Annual Percentage Yield) 0.05%

Suncoast Credit Union Smart Checking Community Reviews

 

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SUPERMONEY NET RECOMMENDATION SCORE

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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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