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Existing Customers
Routing numbers are nine-digit numbers that identify your bank or credit union in a financial transaction. For example, Seacoast’s routing number is 067005158. Account numbers help financial institutions identify your specific account and are unique to you.
Starting left to right, routing and account numbers are printed at the bottom of each check. You can also access account and routing numbers through Seacoast Online & Mobile Banking. Once you log in, select the account you’d like information on, then tap Details & Settings.
Our branch associates are also available to help you; just be sure to bring verifiable identification. Locate a Seacoast Branch near you.
For first-time check orders, use our secure Order My Checks portal with the Seacoast Bank routing number 067005158. You can re-order checks through Seacoast Online & Mobile Banking by selecting Account Services, then select Check Reorder.
You can connect your checking and savings account in two ways: by contacting our Customer Support Center at 866.710.5778 or by sending a secure message through Seacoast Online & Mobile Banking.
To send a secure message:
To place a stop payment, contact our Customer Support Center at 866.710.5778, by visiting any branch or within Seacoast Online & Mobile Banking by following the steps below:
Yes. Images are available for 18 months regardless of image type or method of deposit. This includes deposits made at a Seacoast branch and via Mobile Deposit and lockbox.
If you’ve been a victim of theft, contact Seacoast Bank immediately at 866.710.5778 or visit any branch for assistance. Our Customer Support Center or branch associates will walk you through the process of safeguarding your account.
As an additional safety measure, consider disabling your debit card within Seacoast Online & Mobile Banking by:
You can find additional guidance and fraud prevention tips by visiting our Fraud Resource Center.
If you’ve lost your checkbook, we encourage you to contact our Customer Support Center at 866.710.5778 or visit any branch for assistance.
If you suspect fraud, it’s important to act quickly. Contact Seacoast Bank at 866.710.5778 or visit any branch for assistance. Our Customer Support Center or branch associates will walk you through the process of safeguarding your account.
As an additional safety measure, consider disabling your debit card within Seacoast Online & Mobile Banking by:
You can find additional guidance and fraud prevention tips by visiting our Fraud Resource Center.
All 1098s and 1099s are mailed by January 31st. No notice is sent if the interest earned per tax identification number is less than $10 or if interest paid per tax identification number is less than $600 (interest paid on loan).
You can also access your tax forms or other notices through Seacoast Bank Online Banking by selecting eStatements & Notices on the menu.
Seacoast customers will receive paper statements by default; however, they can switch to eStatements at any time within Seacoast Online & Mobile Banking by completing the following steps:
Statement delivery preferences must be set before the next statement mailing.
It may take up to 48 hours to receive the funds back into the account after a stop payment has been processed.
Once logged into Seacoast Bank Online & Mobile Banking:
To make changes to your Bill Pay contact list, simply:
You may then add, remove or edit the selected payee.
To activate your debit card, you may:
No. In addition to offering customers 24/7 fraud protection, our debit cards are free and easy to use, whether you’re purchasing items online or at point-of-sale. Customers can also enjoy fee-free access to their account using a Seacoast Bank ATM within Florida or worldwide using one of the 55,000+ AllPoint® ATMs. Please note, ATM withdrawals outside of our network and international purchases may be subject to a fee.
Account holders can order an initial debit card by contacting our Customer Support Center at 866.710.5778 or by visiting any Seacoast branch.
Debit cards can be reordered by contacting our Customer Support Center, visiting a local branch or through Seacoast Online & Mobile Banking by completing the steps below:
Your new debit card should arrive within 7-10 business days to the address on file.
If your debit card is missing, you may contact our Customer Support Center at 866.710.5778 or visit any branch for assistance.
You can also report your debit card lost, stolen or damaged with our online banking platform by completing the steps below:
If you know your current PIN and would like to change it, you may:
Existing customers with U.S. mailing addresses can request a PIN reminder within Card Management tools. Your reminder should arrive within 7 – 10 business days. Customers with international addresses must contact us at (800) 706-9991 for alternative mailing options.
There are two ways to set up your Seacoast Bank Online Banking account. Personal and business customers can self-enroll online or connect with a Customer Support Center associate by calling 866.710.5778 for assistance.
Once logged into your Seacoast Bank Online Banking account, you will find feature-specific Instructional Videos at the bottom of the menu. This information will help you understand the features and how to properly use them. Login to Seacoast Bank Online Banking.
You can change your password within Seacoast Bank Online and Mobile Banking at any time but only once per day. To change your password:
Login to online banking and follow the steps below
For a forgotten password:
Go to Seacoast Bank Online Banking
Click on Forgot your password? located below the Log In button
Follow the on-screen prompts
For a forgotten Login ID:
Please call our Customer Support Center at 866.710.5778 or visit any branch for assistance.
For a forgotten password:
Go to Seacoast Bank Online Banking
Click on Forgot your password? located below the Log In button
Follow the on-screen prompts
For a forgotten Login ID:
Please call our Customer Support Center at 866.710.5778 or visit any branch for assistance.
Customers accessing Seacoast Bank Online Banking may find it convenient to register their device to avoid inputting a Secure Access Code during each login. You should NOT register a public computer or a computer that others might use outside of your control.
You can remove the registration of a computer/browser by deleting your cookies, or only the cookie related to our online site. Please see your browser help for assistance in deleting cookies.
Supported browsers include the current and previous two versions of:
Internet Explorer and older versions of the browsers listed above are not supported.
Seacoast Bank Online Banking uses several layers of authentication for your security.
In addition to the standard two-layer approach of a Login ID and Password, Seacoast uses advanced authentication methods that use sophisticated device identification and login monitoring technology to identify login anomalies and then present a stepped-up authentication process that uses out-of-band or out-of-wallet solutions.
We send Login ID and Password change alerts and have implemented session time-out controls for the safety of our customers.
More information is available within our Security and Privacy Policies.
No, it is only a temporary access code. Never enter a Secure Access Code on the login page as a password or as an existing password when instructed to change your password or establish a new password.
Will I still be able to receive my Secure Access Code via phone if my phone number has an extension?
The Seacoast Bank Online Banking system does not support sending Secure Access Codes to phone number extensions. However, you can receive the Secure Access Code via email or text. To update your Secure Access contact information,
Yes. To add additional options for receiving your Secure Access Code, navigate to:
Seacoast Bank Online Banking is designed to fully safeguard the privacy and security of your financial information. Unlike normal Internet communication, all information sent to and from our processing center is encrypted and sent through a secure communications channel. Messages cannot be redirected, read or tampered with. We also take advantage of the maximum level of security supported by your browser.
Yes. You can ask a question about your accounts by selecting the Messages option within the menu. From there, click the pencil icon to draft your message and select the nature of your inquiry from the Message Recipient drop-down.
Your message and any attachments are secured using SSL encryption.
Yes. First, select the account from the home page. The Export option (↓ Arrow down icon) is located on the right side of the screen, with the following export formats available:
We’ve created step-by-step instructional videos to guide you on the use of some of the most popular features and functions. Links for the videos are listed in the menu within Seacoast Bank Online Banking.
If you need help with online banking, we encourage you to connect with our Customer Support Center associates, Monday through Friday, 7 a.m. to 10 p.m., and Saturday, 8:30 a.m. to 5 p.m. They can be reached via:
Yes. Set account nicknames by selecting the 3–dot icon to the right of the account from the homepage, then select Nickname Account.
Your profile information may be used within the online banking system to pre-populate certain data or forms. In addition, we may rely on this profile contact information to contact you regarding online banking-related issues or to provide you with information on these services; therefore, it is important to keep this information up to date.
You can download the Seacoast Mobile Banking app from the Apple Store or Google Play Store.
No. The same Login ID and password you use to access your Seacoast Bank Online Banking account is used across devices, whether on tablet, desktop or mobile.
Once logged into the Seacoast Mobile Banking app, you can navigate by simply touching the account you would like to view or by touching your menu selection at the bottom of the screen.
The same features and functions available with Seacoast Bank Online Banking are available within the mobile app.
Funds deposited before 7 pm eastern on a bank business day will generally be made available the first bank business day after the day of deposit.
Funds deposited after 7 pm eastern or on a non-business day will generally be made available on the 2nd bank business day after the day of deposit. Longer delays to the availability of funds may apply.
The Seacoast Mobile Banking app is accessed using your mobile service provider’s data plan. Message and data rates may apply. There are no additional fees assessed by Seacoast for downloading the app to your device or using the app.
The following mobile devices are supported for the Seacoast Mobile Banking app:
While Mobile Deposits are processing, they will appear in the Online Activity Center under Deposited Checks in the Money Movement section of Seacoast Online & Mobile Banking. Once the deposit has been processed, it will be available and reflected in the transaction history.
Yes. The Seacoast Mobile Banking app will prompt you to take a picture of both the front and back of your check. As with any check deposit, you will need to endorse the back of the check.
When you submit the check, the app will review your submission. If the picture is not clear enough, you will receive an error message. You will need to re-enter the information and re-capture the images (front and back) to resubmit.
The app will tell you that the deposit was submitted. However, the deposit still needs to be completed. The check may be rejected based on the limit, quality of the image or other reasons dependent upon the situation. It would be best to hold the check until you see it posted on your statement. If, for any reason, your check is returned from the processing bank, we will send you an electronic representation of the original check you initially deposited for verification.
Below are some best practices for banking on your mobile device:
By default, apps on your iPhone and iPad should automatically update. However, in your App Store settings, if you have turned off Automatic Updates, Cellular Data for Automatic Downloads or established a cellular download limit, the app will not automatically update, and you will need to manually update the app on your iPhone or iPad.
To manually update apps on your iPhone or iPad:
If you need assistance, our Customer Support Center team can be reached at 866.710.5778 or you may send a secure message through Seacoast Online & Mobile Banking.
To send a secure message:
To take advantage of the Text Banking features you must be enrolled in Seacoast Bank Online Banking.
To enroll in Text Banking:
Yes. Once you have enrolled in Text Banking you will be able to request balances through your mobile device.
To cancel an online transaction:
Note: If the transaction has a status of Processed it cannot be canceled.
Online transactions cannot be canceled if the transactions have processed, already posted to your account or if the user does not have cancellation rights.
Yes. To inquire about a transaction, simply send a secure message within the Seacoast Online & Mobile Banking platform by clicking Messages from the main menu. From there, click the pencil icon and draft your message. Be sure to include any pertinent details regarding the transaction.
Within Seacoast Bank Online Banking or the Seacoast Mobile Banking app:
Yes. To set up a recurring transfer, click Transfer under Money Management. You can initiate a one-time or recurring transfer by setting the frequency for the transfer. Transfers can be made to either a Seacoast Bank account or to an external account once that account has been set up and verified.
Yes. You can modify recurring transfer details by completing the following steps:
Note: If the recurring transfer End Date has been reached, you will no longer be able to edit it.
You can transfer money between your Seacoast accounts by:
Yes. Personal banking customers can transfer money between a Seacoast Bank checking and savings accounts and accounts you have at other financial institutions. To learn more about transferring funds to your account at another financial institution, click Manage External Accounts from the Money Movement menu.
Yes. Zelle® is a fast, safe and easy way to send money to people you trust, regardless of where they bank using your Seacoast Online & Mobile Banking App.
There are no limits on the amount of money you can receive. For your protection, we have standard limits on the amount of money you can send. Using Seacoast Online & Mobile Banking, you can send up to $1,000 in a single transaction and up to $1,000 per day.
Seacoast Bank has partnered with Zelle® to provide you a fast, safe and easy way to send money in minutes* to friends, family and others you know right from Seacoast Bank Online Banking and Seacoast Mobile Banking app. Zelle® makes it easy to send or receive money with the people you trust who have a bank account in the U.S., all you need is a U.S. mobile phone number or email address.
Yes, however you must enroll at each financial institution using a unique email address or U.S. mobile phone number. For example, if enrolled at Bank A using your U.S. mobile phone number, you could enroll at Bank B using your email address.
You can set up alerts for a variety of actions within our online and mobile banking platform, including alerts for:
To create an alert, select Alerts & Settings from the main menu, then select Alerts and select the type of alert you would like to create or edit. In addition, a running list of any pushed alerts will be archived in the main menu under Messages.
Alerts can be sent by email, voice, text, push notifications or secure message within online banking.
Some security alerts are presented as a default to all users. However, optional alerts are configurable at the user level.
Yes, alerts are account-specific and must be established for each account desired.
Each type of alert (Account, History, Online Transactions and Reminder) can be customized with the delivery frequencies to meet your needs.
If you believe you did not receive an alert email, check your message mailbox under the Messages menu to confirm receipt.
If you received your secure message, but not your email alert, check your junk email folder. If your alert is delivered as junk mail, configure your junk mail settings to allow email from our email address.
If there is no alert in your online secure mailbox, it was not sent. Confirm that the alert is enabled by selecting Alerts & Settings from the main menu and then selecting Alerts.
If you need additional help, our Customer Support Center team is happy to assist you and can be reached at 866.710.5778, Monday through Friday 7 a.m. to 10 p.m., Saturday 8:30 a.m. to 5 p.m.
Security alerts notify you via phone, secure message, text or email when key events happen with your account, such as failed login attempts and updates to personal identification.
You have the option to customize security alerts on your account, but by default, some alerts are mandatory. If you enter multiple delivery channels (email, phone and/or text if applicable), you will get the same alert in all selected channels.
Yes. Security alerts are event-driven and are sent in real-time when the event occurs. Therefore, these alerts cannot be scheduled.
If you have a deposit account with Seacoast, you can make loan payments simply by transferring funds from the deposit account to the loan.
Non-Seacoast deposit account customers can make an online loan payment by connecting an external account and selecting Money Movement, then Manage External Accounts from the main menu.
Liens are released two weeks after the payoff date. Titles held in electronic format take up to 72 business hours for the DMV to complete the release. You will receive a completed electronic release letter.
Note: if a loan is paid off by a dealer or insurance company, the letter is mailed to them. Paper titles are signed off and mailed to you with a letter. If the loan was paid off by a third party (dealer or insurance company), the title is mailed per the letter of instruction received with the payoff.
Yes. In terms of loans, the word “deposit” is referring to payments.
Connect with a Customer Support Center associate for help setting up an online account for your mortgage. They’re available to assist you at 866.710.5778 Monday through Friday, 7 a.m. to 10 p.m., and Saturday, 8:30 a.m. to 5 p.m.
Seacoast Bank's Mortgagee Clause is:
Seacoast National Bank
ISAOA / ATIMA
PO Box 940036
Maitland, FL 32794
Insurance agents may submit evidence of insurance by fax to 772.403.0507 or by email to loan.insurance@seacoastbank.com.
The fax number for Credit References and Verification of Deposits is 772.221.3029.
The fax number for a Verification of Mortgage is 772.286.7298.
The cut-off time for same-day Remote Deposit Capture credit is 8 pm EST each business day.
To download the Symantec VIP Access Manager App, visit the Apple App Store or Google Play store.
To send a one-time payment,
Yes. You can send a one-time payment without saving the recipient’s payment details.
You can deposit funds into your Seacoast Business Savings or Business Money Market account by:
Learn more about all our business banking options here or connect with a Business Banker for expert assistance.
You may retrieve account history on your Business Online Banking account for up to 18 months and statements are available for up to seven years at no additional charge.
Wires are to be submitted by 5 p.m. EST to be sent the same business day. If not received by 5 p.m., the wire will go out the following business day.
Yes. The main administrator can manage their own users within online banking. The user is then able to navigate within online banking in the Administration menu to Manage Users or Manage User Roles.
Symantec™ Validation and ID Protection Service (VIP) enables users to authorize transactions (ACH and wires). It is an additional layer of security. The validation occurs when the user enters their six-digit security code as provided by Symantec VIP. Each six-digit code is valid for one-time use and expires if not utilized within 30 seconds or upon issuance of another code.
The credential is the device that generates security codes. It is sometimes referred to as a token. The Credential ID is the unique serial number that identifies each credential.
A payment file must be uploaded prior to 4:00 pm to be processed the same day.
Funds deposited before 8 p.m. EST on a bank business day will generally be made available the first bank business day after the day of deposit. Funds deposited after 8 p.m. EST or on a non-business day will generally be made available on the second bank business day after the day of deposit. Longer delays to the availability of funds may apply.
The cut-off time for same-day Remote Deposit Capture credit is 8 p.m. EST each business day.
The cut-off time for an ACH is 2 p.m. EST. If received after 2 p.m. or on a non-business day, the ACH will go out the following business day.
To make sure that your payment is received in time, you will need to send your ACH two (2) days prior to the effective date.
We’ve created an instructional video to guide you through the File Mapping process. To view the instructional video, log in to Seacoast Online & Mobile Banking, select Instructional Videos from the menu options and then select File Mapping.
Step-by-step instructions for setting up File Mapping can be found here.
Yes, Seacoast Bank is FDIC insured. To determine if a bank is FDIC-insured, you can ask a bank representative, look for the FDIC sign at your bank or on their website or use the FDIC's BankFind tool to access detailed information about all FDIC-insured institutions.
The FDIC protects up to $250,000 per depositor, per insured bank. FDIC insurance covers deposits within a variety of banking products including:
Investment products that are not deposits, such as mutual funds, annuities, life insurance policies and stocks and bonds, are not covered by FDIC deposit insurance. See “Financial Products that Are Not Insured by the FDIC” for more information about uninsured financial products.
The FDIC protects up to $250, 000 per depositor, per insured bank. FDIC insurance covers deposits within a variety of banking products including:
Investment products that are not deposits, such as mutual funds, annuities, life insurance policies and stocks and bonds, are not covered by FDIC deposit insurance. See “Financial Products that Are Not Insured by the FDIC” for more information about uninsured financial products.
No, you do not need to apply for FDIC insurance. Coverage is automatic for any deposit account opened at an FDIC-insured bank or financial institution. If you are interested in FDIC deposit insurance coverage, simply make sure you are placing your funds in a deposit product at the bank.
Yes, if you opened a deposit account at an FDIC-insured bank, like Seacoast Bank, your deposits are safe.
FDIC insurance covers up to $250,000 per depositor, per insured bank, for each account ownership category. Deposit insurance covers principal plus any interest accrued or due to the depositor, through the date of default. For example, an individually owned CD account with a principal balance of $195,000 and $3,000 in accrued interest would be insured for the full $198,000.
Yes, you may qualify for coverage over $250,000 if you have funds in different ownership categories and all FDIC requirements are met.
As long as your money is in a U.S. bank insured by the FDIC, it is safe. The FDIC does not differentiate insurance coverage based on the size of the bank.
You can visit any branch or contact the Seacoast Bank Customer Support at 866.710.5778
Mon - Fri — 7am - 10pm
Saturday — 8:30am - 5pm
Sunday — CLOSED
Seacoast Bank's routing number is 067005158, and Seacoast Bank's SWIFT code is (International Use Only) SNBFUS3F, UCBMUS33
All Seacoast Bank branches have notaries available. We recommend calling the branch ahead of time or making an appointment online to ensure the notary will be available in the office when you’re ready to come in with your documents. To make an appointment, locate your nearest branch and select the Branch Details option.
View the schedule of fees and service charges.
Seacoast Bank's Customer Support Center associates are available via phone at 866.710.5778, Live Chat or by email at CustomerService@SeacoastBank.com, Monday through Friday 7 a.m. to 10 p.m. and Saturday 8:30 a.m. to 5 p.m.
FastLane is Seacoast's telephone banking system. You can call 866.674.5578 to securely check account balances, verify checks that have cleared your account or transfer funds between accounts.
Call 866.674.5578 to access FastLane.
Personal and business customers can change their address by contacting our Customer Support Center at 866.710.5778, visiting any Seacoast Branch or within Seacoast Online & Mobile Banking by:
You can view your credit card account details and statements through the credit card portal here.
Seacoast Bank offers multiple ways for you to connect your Seacoast Bank accounts with QuickBooks and Quicken.
Direct Connect communicates directly with Seacoast on your behalf. You don't have to log in to online banking and manually download transactions – Direct Connect does this for you.
Web Connect gives you the ability to download your transactions directly from Seacoast's website and import them into QuickBooks or Quicken.
Direct Connect enrollment instructions:
Within Quicken or QuickBooks, choose the Banking menu, go to Bank Feeds.
To download transactions:
Web Connect setup:
New Customers
The amount needed to fund a personal checking or savings account will vary based on the financial institution and account chosen. Personal checking and savings accounts at Seacoast Bank can be opened with as little as $50 in some cases.
Look for accounts that help you reach your financial goals paired with features that align with how you’ll use the account. For example, it may be beneficial to open a money market account if you’re looking to earn higher interest on balances while still having flexible access for transactions. It’s recommended to also consider minimum balance requirements and ways to avoid potential fees.
In general, look for checking and savings accounts offering:
Schedule an appointment with your local Seacoast Banker for additional guidance on choosing the best checking or savings account for you.
A money market account is a simple and flexible way to save for future expenses while still earning a typically higher interest rate than conventional savings accounts. Money market accounts usually offer check-writing and debit card privileges and are covered up to the allowable limits by the FDIC.
A debit card is a bank-issued card that deducts money directly from a checking account and can be used at ATMs, online or at a point-of-sale. Debit cards typically offer fraud protection benefits and can be added to a mobile device’s digital wallet for additional security protection and convenience.
Debit card users can typically make fee-free withdrawals, transfers and deposits at a bank branch and ATM or through an ATM partner, such as the Allpoint® ATM network.
Seacoast Bank Online Banking is designed to fully safeguard the privacy and security of your financial information. Unlike normal Internet communication, all information sent to and from our processing center is encrypted and sent through a secure communications channel. Messages cannot be redirected, read or tampered with. We also take advantage of the maximum level of security supported by your browser.
The same features and functions available with online banking are available within the Seacoast Bank Mobile app. Features include:
Touch ID, Face ID, customizable alerts and multi-factor authentication ensure your financial information stays safe along with 24/7 fraud protection.
The Seacoast Mobile Banking app is accessed using your mobile service provider’s data plan. Message and data rates may apply. There are no additional fees assessed by Seacoast for downloading the app to your device or using the app.
Seacoast Bank offers a variety of consumer loans designed to help you reach your goals, including:
Items needed to apply for a consumer loan will vary by lender, but in general, you can expect to provide details on:
Connect with your local Seacoast Banker for expert guidance on applying for a consumer loan.
A mortgage is an agreement between you (a borrower) and a bank or lender to buy or refinance a home without having all the cash up front. When you obtain a mortgage, you agree to:
Many lenders typically recommend that your housing costs make up no more than 30% of your annual pre-tax income. To estimate how much home you can afford consider the following details:
Though often used interchangeably, a distinct difference exists between being pre-qualified and pre-approved for a mortgage. Being pre-qualified is more high level and based on information from the buyer. On the other hand, pre-approval is more involved, as a mortgage application is needed. At this stage, the lender has reviewed the buyers’ financial details and provided an idea of how much they can borrow.
The steps to open a business deposit account may vary depending on the bank or credit union, but in general, you can expect to provide:
Seacoast Bank makes opening a business checking or savings account simple. Find your local branch to make an appointment.
In general, any business with an Employee Identification Number (EIN) or Social Security number for sole proprietors, can open a small business bank account. Keep in mind, you may need to submit documentation for your business as well.
Review our Business Insights blog for more information on opening a business banking account.
The amount needed to open a business checking or savings account, as well as any associated maintenance fees and minimum balance requirements, will vary by the account type chosen and the financial institution.
It depends. At a minimum, business owners should consider a business checking and business savings account. From there, the decision depends on your unique needs. For example, you may need an additional business savings account for tax purposes or enjoy the liquidity and earning potential of a business money market account.
Seacoast Bank offers a variety of small business lending solutions to help keep your business running smoothly, including:
Learn more about our Small Business Lending Solutions or get in touch with your local Seacoast Business Banker today.
To obtain a business loan from Seacoast Bank, the business must be based in Florida and be in operation for a minimum of three years.
Gathering your business and personal information is just one step in the small business loan process, but in general, you may be asked to provide details such as:
The approval time for a small business loan can take anywhere from a few days to a few months, and depends on numerous factors, including, the type of loan applied for, your lender and if you have all the required documentation ready.
A small business is defined as an independent business having fewer than 500 employees.
The U.S. Small Business Administration is a federal agency focused on helping small business owners start, grow or expand their small businesses by partnering with lenders like Seacoast Bank to provide government-backed business loans. Since the loans are partially guaranteed by the SBA, the program enables small business owners to obtain business loans with fewer equity requirements than conventional business loans.
The Small Business Administration (SBA) is a federal agency that helps established businesses grow and helps new businesses get started. As a borrower, you’re not borrowing from the SBA, you’re borrowing from a financial institution like Seacoast Bank that partners with the SBA to provide loans to small businesses.
SBA loans offer several advantages compared to conventional business loans including lower down payments, longer terms, full amortization and no balloon payments. SBA loans can also provide financing for businesses that often find it difficult to obtain conventional financing like restaurants, auto repair facilities, self-storage facilities, start-up franchises and assisted living facilities.
The first step in applying for an SBA loan is to get an idea of which SBA loan might be right for you. Once you have determined which SBA loan is right for your business, meet with an SBA-preferred lender to discuss eligibility requirements. You’ll then apply and close on your SBA loan with your preferred lender. Some of the most common SBA loans are the:
SBA 7(A) loan, a term loan which can be used for a variety of business needs
SBA 504 loan, which is more restrictive and typically used for construction and purchase of owner-occupied commercial real estate and heavy machinery
USDA B&I loan, which can be used for a variety of business needs and is designed to assist businesses in rural communities
Seacoast Bank has been supporting small business growth in Florida since 1926. As an SBA preferred lender, our SBA team will meet with you to discuss your unique needs and work with you during the entire process.
There are numerous uses for an SBA loan such as purchasing or refinancing commercial real estate, equipment financing, debt refinancing, building improvements, business acquisitions, partner buyouts, construction, inventory purchases, working capital and more.
With a conventional business loan, the bank assumes all of the risk and the loan is subject to the bank lending requirements. With an SBA loan, the bank shares the risk with the SBA, which guarantees a portion of the loan. SBA loans are subject to the lending requirements of both the SBA and the bank.
No. An SBA loan must be approved by the issuing bank, and each bank has its own lending criteria. When you work with an SBA Preferred Lender, you are more likely to receive better terms and a faster application and closing process than a bank that is not an SBA Preferred Lender.
Yes. As an SBA Preferred Lender, Seacoast Bank is part of the SBA's effort to streamline the procedures necessary to provide financial assistance to the small business community. This means we meet all of the Preferred Lender Program eligibility criteria, including proficiency in processing and servicing SBA-guaranteed loans.
Before opening an account, assess your business needs, such as your expected average account balance and the number of transactions you’ll process each month then align those needs with an account. On a basic level, look for accounts offering:
Any business is eligible for a commercial checking or savings account with the required documentation. Required materials may include:
Yes. From case studies and blogs to downloadable guides and customer success stories, our Business Insights section has free resources designed to help your company reach success.
Look for a combination of local commercial banker expertise and personalized lending solutions. Seasoned commercial bankers will have expert knowledge of the local market that will help guide you in determining the best loan options and loan type for your business, such as Equipment Loan, Commercial Real Estate Loan or Commercial Line of Credit.
Most commercial loans can be applied for online or at a bank branch and typically require the following documentation:
Commercial real estate loans are used for a variety of purposes and are customizable to your project needs, from purchasing a new facility to remodeling and expanding. Our services include:
Seacoast Bank customers enjoy a wide range of banking and lending options to meet their financial goals, paired with local decision-making and innovative banking solutions.
When you bank with Seacoast, everything we do is based on Four Promises to you, our customer. We strive to:
Yes, Seacoast Bank is FDIC insured. The FDIC Standard Maximum Deposit Insurance Amount for deposits has been permanently increased to $250,000 per deposit or per insurance financial institution.
Seacoast Bank has over 70 branch locations throughout East, West, South, Central and North Florida. Search for your nearest branch location or explore branches by county.
Still need help? Here are some ways you can reach us:
Are you interested in meeting with a representative to discuss your financial needs?
Schedule a consultation today »
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* U.S. checking or savings account required to use Zelle®. Transactions between enrolled users typically occur in minutes.
Zelle and the Zelle related trademarks are wholly owned by Early Warning Services, LLC and are used herein under license.
Equal Housing Lender. Member FDIC. NMLS# 608046
