BankOn Opportunity Checking - Checkless Banking with No Overdraft Fees

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Experience Financial Freedom with Seacoast BankOn Opportunity Checking

At Seacoast, we believe in providing banking solutions for everyone in our Florida communities. Our certified BankOn Opportunity Checking account is designed to offer you a safe, low-cost banking solution that eliminates the worry of overdraft fees. Enjoy peace of mind knowing that your finances are protected, and our expert Seacoast bankers support you at every turn. BankOn Opportunity Checking empowers you to manage your finances with confidence and discover new opportunities for your financial future.

Seacoast BankOn Opportunity Checking Account Features
Efficient Online Tools
  • Free Seacoast Bank Online & Mobile banking1
  • Paperless banking available
Flexible Transaction Options
  • Make purchases and payments with your Visa® debit card
    Fee-free access to 55,000+ Allpoint® ATMs worldwide2
  • Securely send money to friends and family with Zelle3
  • Free cashier’s checks available in branch
Account Services and Savings
  • No monthly overdraft fees4
  • No monthly minimum balance requirement
  • Option to automatically build your savings with a linked Sail Into Savings account

Certified Low-Cost Account

Seacoast-National-BankOn-Opportunity-Checking-2025-2026Seacoast BankOn Opportunity Checking has been certified by BankOn for meeting the National Account Standards as a low-cost, low-fee account. We’re proud to offer an affordable option that is accessible to everyone.

Here’s What You Need to Know:

  • A $5 monthly maintenance fee applies and cannot be waived
  • Check writing is not supported
  • $2 paper statement fee applies if e-statements are not selected
  • Open an account with $25 or more

Steps to open your BankOn Opportunity Checking account:

  • Gather Your Info: Provide your address, phone, email and social security number (or taxpayer ID).
  • Fund Your Account: Use cash or a bank account and routing number for your initial deposit.
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Enjoy these standard features with all of our accounts:

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Allpoint® ATMs

Get cash fee-free at 55,000+ Allpoint® ATMs worldwide2. These ATMs are available for cash withdrawals and balance inquiries at retailers including CVS, Target, Walgreens, WaWa and more.
Find an Allpoint® ATM location »

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Protection You Can Trust

Security is our top priority and substantial measures are in place at Seacoast Bank to protect your identity and your accounts against theft and personal fraud.

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Mobile Deposit

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

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Free Online & Mobile Banking

Our online and mobile banking options are fast, convenient, and secure. Pay bills, transfer money, check your balance, and more anytime, anywhere.

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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Call us at:
800.706.9991
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1. Bill Pay is not available with this account. You may be charged fees by the provider of the wireless network you are using to access mobile banking and mobile deposit services.
2. No Fees at Allpoint® ATMs. Worldwide includes the USA, United Kingdom, Canada, Australia and Mexico.
3. 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.
4. Items that overdraw the account are returned, and ATM/everyday debit card transactions are declined if there are insufficient funds.