Frequently Asked Questions

To help you more effectively conduct your banking activities, answer any questions you may have about general banking procedures, and provide greater peace of mind, we have compiled the most commonly asked questions with comprehensive answers to each in a handy guide for you below. 

Hot Topics
Online Banking Log In
Forgot Password
Order Checks

If you do not see the answer you need in the list below, please fill out the form at the bottom of the page, or call our 24/7 local, Florida support team at 1-800-706-9991. 

Click the plus sign to the left of each question to expand each of the boxes below and find the answer to these commonly asked questions. If you have a question that is not answered below, please feel free to reach out through the form at the bottom of this page and a Seacoast associate will be in touch as quickly as possible.

General Banking (Checking and Savings)
General Banking (Online and Mobile)
Small Business
Loans
Mortgages
Payments & Processing

 

GENERAL BANKING (Checking and Savings)

How do I contact customer service?
Seacoast Bank's Telephone Banking Center is available 24/7 at 1-800-706-9991 for your convenience.  
How do I change my address?

To change your address, you may:

  • Contact us 24/7 at 1-800-706-9991
  • Visit any branch for assistance 
  • Change through Personal Online Banking
    • Once you log in, select Customer Service and then Change Address
What is the online security process (security code)?

Online Banking uses several layers of authentication for your security.

 In addition to the standard two layer approach of a User ID and Password, Seacoast employs 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.

Our User ID and Password are case sensitive and must include a combination of letters and numbers.

We send User ID and Password change alerts and have implemented Session time-out controls for the safety of our customers.

More information is availabile within our Security and Privacy Policies

How do I send money electronically?

To send an external transfer to an account that belongs to you:
To enroll, log into your online banking, and click Get Started With External Transfers under the Pay and Transfer section on the dashboard.

Next, click Add External Account, select the account type (Checking or Savings) and then enter the routing number and account number for your external account.

Finally, confirm and submit.  

Seacoast will credit and debit two small dollar transactions to your other bank account within two days. Once verification of the transaction amounts has been completed, you will be able to set up one time or recurring transfers between your two bank accounts. Enrollment may take 2-3 business days. Once enrolled, transfers may take up to 3 business days for completion.

To send money electronically to someone else: 
To enroll, log into your online banking and click Pay People under the Pay and Transfer section on the dashboard. 

Next, read and agree to the terms under the "Ready to Get Started?" section of the page, and click Enroll

Select the Seacoast account you'd like to transfer the money from, and click Enroll

Your enrollment request will be processed within 2 business days. When completed, you will receive a confirmation e-mail and can begin making people payments online.

What are Seacoast's fees and service charges?
My purse/wallet was stolen! What should I do?
If your purse or wallet was stolen, you may contact us 24/7 at 1-800-706-9991 or you may visit any branch for assistance. 
I can’t find my checkbook! What should I do?
If you aren't able to find your checkbook, you may contact us 24/7 at 1-800-706-9991 or you may visit any branch for assistance. 
I discovered fraudulent checks/charges on my account. How can I file a dispute?
If you've discovered fraudulent checks or charges on your account, you may contact us 24/7 at 1-800-706-9991 or you may visit any branch for assistance. 
How do I order checks?

Need to order new checks?

Click here to be taken to the website where you can order checks. 

How can I connect my checking and savings accounts?
Contact us 24/7 at 1-800-706-9991.
How do I transfer money from one of my Seacoast accounts to another of my Seacoast accounts?
You can transfer money between your Seacoast accounts by visiting a Seacoast Bank branch, by calling us 24/7 at 800-706-9991, by calling the 24/7 money phone at 1-866-674-5575 or on your online banking account by following these steps:
Click Pay and Transfer on the top menu  > Under Funds Transfer, click Make a transfer > input your transfer information to complete this request.
How do I activate my debit card?

To activate your debit card, you may: 

  • Make a debit purchase using your PIN
  • Visit any Seacoast Bank ATM
  • Contact us 24/7 at 1-800-706-9991
  • Utilize the 24/7 MoneyPhone at 1-866-674-5575
    • Select Option 1, Option 5, and Option 3
  • Visit any branch for assistance
How do I order a new debit card or reorder a debit card?
If you need to order a new debit card or reorder a debit card, you may contact us 24/7 at 1-800-706-9991 or you may visit any branch for assistance.
My debit card is missing! What should I do?
If your debit card is missing, you may contact us 24/7 at 1-800-706-9991 or you may visit any branch for assistance. 
How do I change my debit card PIN number?

If you know your current PIN and you would like to change it, you may:

  • Call the 24/7 MoneyPhone at 1-866-674-5575
  • Contact Customer Service 24/7 at 1-800-706-9991
  • Visit any Seacoast Bank ATM
  • Visit any branch for assistance
How do I place a stop payment on a check I wrote?
You can place a stop payment on a check you wrote by visiting a Seacoast Bank branch, by calling 800-706-9991 or on your online banking account by following these steps:
Click Customer Service on the top menu > Under Account Services, click Stop a check > input the account and check information to complete this request.
How long does it take to get monies back on a stop payment in Bill Pay?
For a stop payment on a bill payment, it may take up to 48 hours to receive the funds back into the account.
What is Seacoast Bank's routing number and SWIFT code?

Seacoast Bank's routing number is 067005158

Seacoast Bank's SWIFT code is SNBFUS3F

Which Seacoast branches have notaries available to customers?
All Seacoast Bank branches have notaries on hand. We do recommend calling the branch ahead of time to ensure the notary will be available in the office when you’re ready to come in with your documents.
Why haven't I received an IRS tax document at the end of the year?
All 1098s and 1099s are mailed by January 31st. No notice is sent if the interest earned per tax identification number is less than $10.00 or interest paid per tax identification number is less than $600.00 (interest paid on loan).
Is Seacoast Bank FDIC insured?
Yes, Seacoast Bank is FDIC insured. The FDIC Standard Maximum Deposit Insurance Amount for deposits has been permanently increased to $250,000 per depositor per insurance financial institution.
How do I obtain contact information for foreclosed properties?
If you would like to find out more information about the foreclosed properties we have for sale, please access: https://www.seacoastbank.com/properties. There you will find a list of properties for sale, sorted by the county in which the property resides. You may contact the phone number assigned to each property for more information, or you may call the Special Assets Department at 772-221-2933.
What are the fax numbers for credit references and verification of deposits?

The fax number for Credit References and Verification of Deposits is 772-221-3029.

GENERAL BANKING (Online and Mobile)

How do I set up an online banking account?
Please call our customer service team at 800-706-9991 to create an online account, or you can click here to self-enroll in Online Banking. 
How do I navigate the Mobile Banking app?

Once you're logged into the Seacoast Mobile Banking app, simply tap on the title of each section of the app and a help screen will appear that explains the features on each section and how to use them. 

Example: If you are in the Transfers section of your app, simply tap your finger on the word Transfers at the top of the screen and a help screen will appear that explains how to transfer money from your mobile app. 

How do I navigate my Online Banking account?

Once you are logged in to your Seacoast Online Banking account, you will find a feature-specific FAQ and Glossary at the bottom of each page. 

This information will help you understand the features of each page and how to properly use them. 

Click here to log in.

How do I set up online bill pay?

Once logged in to your online banking account, click the Pay and Transfer option in the main menu (across the top of your online banking account main page).

How do I edit my bill pay payee list to alter, add or remove contacts?
To edit a payee, navigate to the list of people and businesses you pay (within your Bill Pay section of your account), click the appropriate name and then click the View/change payee details link. From the Payee Details page, you can click delete payee, etc.
How do I change my online banking password?

The Change Password page is used to change your Online Banking password. This password is used to access your account information online. It can be changed at any time but only once per day.

You can access the Change Password page by clicking the Change Password link on the Customer Service Index page.

  1. Click the Customer Service tab.

Result: The Customer Service Index page is displayed.

  1. Click Change Password.

Result: The Change Password page is displayed.

  1. If required, enter your current password.
  2. Enter your current password.
  3. Enter a new password.

Note: Your password is case sensitive and must include both letters and numbers. It must be at least 8 characters in length and cannot include more than 32 characters. It cannot begin or end with a space and cannot include a single quotation mark, a double quotation mark, a comma, a greater-than symbol, or a less-than symbol.

  1. Enter the new password again in the Re-enter New Password field.
  2. Click Submit.

Result: The Change Password Confirmation page is displayed.

We will send an online banking message and an e-mail confirming this change.

 

 

What do I do if I forgot my online banking username and/or password?
For a forgotten password
  1. Enter your User ID and click continue
  2. Click on “Forgot your password” below where you would enter your password.
  3. Follow the on screen prompts

If the Forgot your password option is not showing on your screen you are locked out and must call us at 800-706-9991 for assistance.


For a forgotten username
Your username can be confirmed by a customer service representative. Please call 800-706-9991 for assistance in getting access to your forgotten username. 

Does Seacoast offer integration with Quicken or QuickBooks?

Yes, Seacoast offers both a data download option and a Direct Connect option for Quicken or QuickBooks users.

Direct Connect is a service that automatically downloads your banking transactions into QuickBooks or Quicken. To sign up for direct connect you can click on this link: https://apps.seacoastnational.com/dca/  

For Personal Online Banking downloads to Quicken, sign into your personal online banking and click “Accounts”, “Download Banking Transactions” and specify the data that you wish to download.

For Business Online Banking downloads to QuickBooks or Quicken, sign into your business online banking and click “Reports” “Activity” and specify the data that you wish to download.  

Are there any limits for Digital Deposits?
There are no limits for Digital Deposits at Seacoast Bank.
How do I add an account to my mobile banking app?
Please call our customer service team at 800-706-9991 to add an account to your mobile banking app.
How can I search my transaction history (including viewing checks)?

You can use the Search Your Transaction History page to limit or increase the number of completed transactions that are displayed on the Account Activity page.

  1. Click the Accounts tab.

Result: The Accounts menu is displayed.

  1. Click the Account Activity menu item.

Result: The Account Activity page is displayed.

  1. Click Search Your Transaction History.

Result: The Search Your Transaction History page is displayed.

  1. Select the type of search you want to perform and, if needed, enter additional details.

  2. If desired, enter a different range of dates in the From and To fields.

  3. Click Search.

Result: The Account Activity page is displayed with the completed transactions you specified.

SMALL BUSINESS

How far back are online statements available in Business Online Banking?
You may retrieve account statements on your Business Online Banking account for up to 18 months at no additional charge.
What is the wire cut-off time?
Wires are to be submitted by 4pm EST to be sent the same business day.  If not received by 4pm, the wire will go out the following business day.
What are the instructions for receiving a wire?

In order to properly receive a wire, please provide the following Bank information:

  •  Address - Seacoast Bank, 815 Colorado Ave, Stuart, FL 34994
  • Routing/ABA Number - 067005158
  • Beneficiary Account Number/Title/Address 
  • For International Wire - Please also include SWIFT Code SNBFUS3F

LOANS

How do I make a loan payment online?

Seacoast Deposit Customers may transfer funds online from any Seacoast Bank deposit account to make your loan payment.  

Non-Seacoast Deposit Customers cannot make online loan payments at this time.

How long does it take to receive my car title after paying off my loan?
Liens are released 2 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 the loan is paid off by a dealer or insurance company, then 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 3rd party (dealer or insurance company), the title is mailed per the letter of instruction received with the payoff.

MORTGAGES

How do I set up an online account for my mortgage?
Please call our customer service team at 800-706-9991 to create an online account for your mortgage payments.
What is Seacoast Bank's Mortgagee Clause?
Seacoast Bank's Mortgagee Clause is:
Seacoast National Bank
ISAOA/ATIMA
PO BOX 9012
Stuart, FL 34995-9012
What type of mortgage loans does Seacoast offer?
Seacoast Bank offers residential conventional, FHA and 203K, VA, construction, jumbos, lot loans and portfolio loans. We also offer commercial real estate loans. If you're interested in any of our various loans, you may contact us 24/7 at 1-800-706-9991 or stop by any branch to speak to an associate.
What type of properties does Seacoast finance?
Seacoast offer loans for primary, second home and investment buyers. We also finance commercial real estate.
Where should my insurance company submit evidence of insurance?
Insurance agents may submit evidence of insurance by fax to 772-221-3056 or by email to loan.insurance@seacoastbank.com.
What are the fax numbers for Credit References, Verification of Deposits and Verification of Mortgages?

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.

PAYMENTS & PROCESSING

What is the ACH cut-off time?
The cut-off time for an ACH is 4pm EST.  If received after 4pm or on a non-business day, the ACH will go out the following business day.
How many days prior to the effective date do I need to send my ACH file?
In order to make sure that your payment is received in time, you will need to send your ACH 2 days prior to the effective date.
What is the cut-off time for same day RDC credit?
The cut-off time for same day RDC credit is 7:00 pm eastern each business day.
What is the availability of deposits via RDC and Digital Deposit?

Funds deposited before 7:00 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 7:00 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.

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Four Promises. One Goal.

At Seacoast Bank, everything we do is based upon core beliefs summarized in the Four Promises we make to you. When you entrust your banking to us, we promise to:
Promise One
Get you comfortable with the right team to serve you.
Promise Two
Make your day-to-day banking simple.
Promise Three
Resolve out-of-the-ordinary items responsively.
Promise Four
Invest in you and your community.
Our philosophy is dedicated to the promise of simplicity, convenience, expertise, community, and technology with a human touch. On account of all this and more - on account of you - it's time for Seacoast Bank. A smarter bank. A connected bank. And, just as importantly, your local bank.