Personal Checking Accounts

Personal checking that’s designed around you.
Choose Your Account

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 Banking 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:

Convenience & Security Built Into Every Account


Mobile Deposit

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

Get real time alerts for balances, deposits, transactions, account security and more.
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Money Management Tools

Track your spending and categorize transactions across all your linked bank accounts.
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Access to Zelle®1

Send and receive money with Zelle®1 - it’s fast, safe and easy.

Card Controls

Manage and safeguard your Seacoast Bank Visa® Debit Card from Seacoast Bank Online & Mobile Banking.

Enhanced Security

Keep your account safe with security features like Touch ID, Face ID and multi-factor authentication.

FAQs & Resources



Personal Checking Account FAQs

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?

Can I Make Purchases Online Using My Checking Account Information?

  • As long as the website you are purchasing from accepts this method of payment, you can use your account information to make online purchases. Ensure you protect your account details and only share them with trusted online merchants.

How Old Do I Have to Be to Open a Checking Account?

    • You need to be at least 18 years old to open a checking account on your own. However, Seacoast offers Freestyle Student Checking accounts for students aged 14-24. This account can be opened with a parent or guardian's signature if the student is under 18.

Does Credit Score Affect Opening a Checking Account?

    • Your credit score does not impact your ability to open a checking account. Checking accounts are focused on your banking history and financial responsibility rather than your credit score alone.

Have Questions? Speak with a Seacoast Banker

As your local banking option, we are here to answer any questions you have. Fill out the form below and a Seacoast Banker will be in touch soon.

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  1. Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.