Welcome To Seacoast Bank Customer Support

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 800.706.9991 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

1. Click Alerts & Settings, then Security Preferences
2. Click on the Change Password tab
3. Enter the old password and the new password as noted and click on Change Password

Yes, you will be able to choose your own Login ID when you enroll. 

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 800.706.9991 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:

• Google Chrome (Windows, Mac)
• Edge (Windows)
• Firefox (Windows, Mac)
• Safari (Mac)

Internet Explorer and older versions of the browsers listed above are not supported.

For a full listing of system and browser requirements or to learn how to check and/or update your browser, reference our User Requirements document.

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.

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,

1. Navigate to Alerts & Settings
2. Click Security Preferences
3. Select Secure Delivery

Yes. To add additional options for receiving your Secure Access Code, navigate to:

1. Alerts & Settings
2. Security Preferences
3. and select Secure Delivery

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:

• Spreadsheet XLS
• Spreadsheet CSV
• Microsoft OFX
• Quicken QFX
• Quickbooks QBO

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:

• Phone at 800.706.9991
• Online chat
• Secure messaging within Seacoast Online & Mobile Banking by selecting the Messages option from the main menu

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:

• iOS phone
• Android phone
• iOS tablet
• Android tablet
• Apple watch

Reference the User Requirements document for full details.

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:

• To prevent viruses or other unwanted problems, do not open attachments from unknown or untrustworthy sources
• Do not install pirated software or software from unknown sources
• Limit unauthorized access to your cell phone
• Do not leave your mobile phone unattended during an open mobile banking session
• Never save your Login ID and Password on the mobile phone, in memos or anywhere on your device
• Be aware of the potential for fraudulent mobile banking apps

Visit our Fraud Protection Center for additional information and resources on keeping your devices safe from fraud.

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:

• Open the App Store
• Tap your profile icon at the top of the screen
• Scroll to see pending updates and release notes
• Tap Update next to the Seacoast Mobile Banking app to manually update the app
• How do I add an account to my mobile banking app?

If you need assistance, our Customer Support Center team can be reached at 800.706.9991 or you may send a secure message through Seacoast Online & Mobile Banking.

To send a secure message:

• Select Messages from the menu
• Click on the pencil icon or create a message to submit the request

To take advantage of the Text Banking features you must be enrolled in Seacoast Bank Online Banking.

To enroll in Text Banking:

• Navigate to the Account Services menu, then select the Text Banking option
• Enter the SMS text number and agree to the Terms by checking the box
• Once complete, click Save

Yes. Once you have enrolled in Text Banking you will be able to request balances through your mobile device.

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:

• FDIC insurance
• Easy access to branches and ATMs
• Features that align with your stage of life
• Online and mobile banking options
• Robust fraud protection and alerts
• Low minimum balance requirements
• Little-to-no monthly maintenance fees

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:

• Mobile Deposit
• Card Management
• Setting account and transaction alerts
• Bill Pay
• Financial Tools that automatically categorize spending, and more
• Apple Watch integration

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:

• Auto loans
• Home Equity Line of Credit (HELOC)
• Boat & Yacht loans
• Aircraft Financing loans
• RV & Motorhome loans

Items needed to apply for a consumer loan will vary by lender, but in general, you can expect to provide details on:

• Income - For example, tax returns and bank statements
• Credit score - The minimum credit score to qualify for a loan will vary by lender and loan type
• Debt-to-income ratio - This percentage represents your gross monthly income that goes toward debt payments. Lenders will use this to determine your capacity for more debt
• Collateral - For secured loans, you may need to pledge assets, such as a home, car or investment accounts to secure a loan

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:

• Make payments over a set amount of time
• Pay back the money borrowed, plus interest
• Upkeep mortgage terms with the home as collateral for the loan

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:

• The amount of money you can put towards a down payment
• Your household income
• Any debt you have and monthly repayments, as well as your spending habits

Seacoast’s Mortgage Loan Calculator can help you estimate what your monthly mortgage payment would be.

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.

Connect with your nearest Seacoast Mortgage Loan Officer for expert guidance on the homebuying process.

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:

• Employer Identification Number (EIN), or Social Security number if you’re a sole proprietor
• Social security number or taxpayer ID for all owners
• Personal identification
• Business formation documents, such as articles of organizations or incorporation
• Business license
• Ownership agreements
• Assumed name certificate if you advertise your business using a name other than the legal name
• Bank account and routing number for your initial deposit

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:

• Owner-Occupied Commercial Real Estate Loans
• Business Equipment Loans
• Term Loans
• Line of Credit
• Credit Cards
• SBA Loans
• Factoring and Asset Based Lending

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:

• Tax returns for the business and each guarantor
• List of your current monthly debt payments
• Personal financial statement
• Driver license information for each owner
• Identifying information for each owner

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:

• Features that make your operations easier, such as mobile banking access, Remote Deposit Capture and online banking with variable user settings
• Ease of integration with your payroll and bookkeeping services
• Reasonable service fees
• Branch and ATM access
• Generous transaction limits and earnings credit rates

Any business is eligible for a commercial checking or savings account with the required documentation. Required materials may include:

• Employer Identification Number (EIN) or Social Security number if you’re a sole proprietorship
• Personal identification documents
• Business formation documents
• Ownership agreements
• Business license
• DBA (Doing Business As) documentation

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:

• Three years of tax returns for your business and each guarantor
• Personal financial statements
• Driver’s license information for each owner
• Identifying information for each owner

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:

• Income Producing Commercial Real Estate
• Construction and Development
• Acquisition
• Refinance
• Term Loans

Connect with a Seacoast Commercial Banker to explore how your business could benefit from a commercial real estate loan.

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:

• Get you comfortable with the right products and the right team to serve you
• Make you day-to-day banking simple
• Resolve out-of-the-ordinary items responsively
• Invest in you and your community

Learn more to learn more about Seacoast Bank’s story.

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.