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  Suncoast Credit Union Smart Checking

Suncoast Credit Union Smart Checking

in Checking Accounts from Suncoast Credit Union · Member ncua

Unaffiliated

Suncoast Credit Union Smart Checking

Unaffiliated

in Checking Accounts from Suncoast Credit Union · Member NCUSIF

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.

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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 $0
APY (Annual Percentage Yield) 0.10%

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 0.10%.
  • $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.
  • 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
  • Available in all 50 states.
  • Interest-yielding account.
  • Deposits are insured by the NCUA (up to $250K).
  • Access to physical branches.
  • Free debit card
  • No signup bonus.
  • Not FDIC-insured.
  • 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) 0.10%

Suncoast Credit Union Smart Checking offers an APY of 0.10% (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 Opening 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
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 $1.50

Does Suncoast Credit Union Smart Checking charge overdraft fees?

Yes, Suncoast Credit Union Smart Checking charges a $29 fee for every overdraft fee.

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 Online Bill Pay - Online 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 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.

How do people rate the customer service and user experience of Suncoast Credit Union Smart Checking?

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

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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

  • Headquarters
  •   6801 E Hillsborough Ave
    Tampa, FL 33610
  •   Visit Site

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

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
  • 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
  • NCUA Member
  • Branch Access
APY (Annual Percentage Yield) 0.10%

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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