How Do I Open a Checking Account and What Do I Need?

To open a checking account, apply online or visit your nearest Seacoast Bank branch. You'll need to provide a valid ID (driver's license, passport, or government-issued ID), be a legal U.S. resident with a Florida address, be at least 18 years old and provide your Social Security number to get started.

Can I Open a Checking Account Online?

Yes, you can conveniently open a checking account online. To get started, fill out the online application and submit the required documents electronically.

Does Seacoast Offer Free Checking Accounts?

Seacoast offers free checking accounts with no monthly maintenance fees or minimum balance requirements.

What is the Difference Between a Checking and Savings Account?

A checking account is for daily transactions like paying bills and making purchases. They offer easy access to your money through debit cards and checks. A savings account stores money over time, offering higher interest rates than checking accounts. However, they come with fewer transaction capabilities.

What is an Interest-Bearing Checking Account?

An interest-bearing checking account is a checking account that pays interest on the balance maintained in the account. Unlike traditional checking accounts that usually offer minimal interest, an interest-bearing checking account allows you to earn a small amount of interest on the money you keep in the account.

Personal Checking Accounts

Take control of your finances with personal checking designed around you. Experience banking your way.

OPEN YOUR ACCOUNT TODAY

Not sure which account is right for you?
Compare our checking account options to find the perfect fit!

At Seacoast, we believe our personal banking solutions should be just that, personal. That’s why we offer a wide range of checking account options to meet your needs.

From convenient Online & Mobile Banking¹ to our wide network of branches and ATMs, we make it easy to access your money from anywhere.

Open a checking account online or visit us at your local branch, where our friendly, knowledgeable Seacoast associates are always available to help you find your best personal banking solutions.

The Best Personal Checking Account Checks All the Boxes

Explore your options at Seacoast Bank:

No Minimum Balance

Banking Freestyle Checking

The freedom to bank your way. Take advantage of Seacoast’s most versatile checking account, with two easy ways to qualify for $0 monthly fees, no minimum balance requirement and free Seacoast Online & Mobile Banking¹ .

OPEN NOW

SEE FULL DETAILS

Everyday Checking

Classic Checking

Simplicity is always in style. With Seacoast Classic Checking, you enjoy unlimited check writing and available rebates for non-Seacoast ATMs.

OPEN NOW

SEE FULL DETAILS

Earns Interest

Premium Checking

Capitalize on the money you save. Premium Checking offers a tiered interest structure on deposit amounts, higher ATM and debit transaction limits and access to unique benefits, like free standard and cashier’s checks and stop payments.

OPEN NOW

SEE FULL DETAILS

For Ages 14-24

Banking Freestyle Student Checking

Smart money habits start here. With available $0 monthly maintenance fees and free Seacoast Online and Mobile Banking, students can open a unique student checking account designed to help them develop financial responsibility at home or on the go.

OPEN NOW

SEE FULL DETAILS

Customers 50+

Classic 50+ Checking

Go ahead, you’ve earned it. Our interest-bearing checking account for customers 50+ plus comes with generous perks, like free checks and available safe deposit box and loan discounts⁴.

OPEN NOW

SEE FULL DETAILS

Protection you can trust

24/7 account protection with powerful security features like Touch ID, Face ID and multi-factor authentication.

Send & receive money with Zelle®³

Zelle®³ is a fast, safe and easy way to send money to people you trust, using your Seacoast Bank Online & Mobile banking¹.

Enhanced account alerts

Be notified when your available account balance dips below a set amount and avoid overdrafts.

Paperless banking available

Experience efficient, eco-friendly banking with digital transactions, reducing paper waste and enhancing convenience.

Mobile deposit

Deposit a check anywhere, anytime using the Seacoast Mobile Banking app on your smart device.

Money management tools

Check your spending history, categorize your transactions, track your cash, create a budget and view your financial accounts all in one place.

Free Online & Mobile banking¹

Our Online & Mobile banking¹ options are fast, convenient, and secure. Pay bills, transfer money, check your balance and more anytime, anywhere.

Bill pay

Make a one-time payment or scheduled, recurring payments anytime, anywhere.

You may be charged fees by the provider of the wireless network you are using to access mobile banking and mobile deposit services.
$0 monthly maintenance fee when you Opt to receive e-statements and have one direct deposit of $250 or more per statement cycle OR Opt to receive e-statements and perform 7 debit card purchases per statement cycle, otherwise a $10 monthly maintenance fee will apply.
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.
Up to .25% off installment loan rates with Auto-Deduct from your Seacoast Checking Account.

Personal Checking Accounts