BankOn Opportunity Checking Account

Q: What is second chance banking?

Second chance banking is a type of account designed for those who may have been denied traditional checking accounts due to past banking history. It provides a safe, affordable way to manage money and work toward financial stability.

Q: Are all banks second chance banks?

While many banks offer checking accounts, only some provide second chance options. Seacoast Bank's BankOn Opportunity Checking is specifically designed to support individuals looking to reestablish their financial footing.

Q: How does second chance banking work?

Seacoast's second chance account BankOn Opportunity Checking is designed to be easy to use and supportive. You'll get access to a debit card, mobile banking and fee-free ATMs—without worrying about overdraft charges(4) or minimum balance requirements.

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

Account Services and Savings

No monthly overdraft fees⁴
No monthly minimum balance requirement
Free Seacoast Bank Online & Mobile banking¹
Option to automatically build your savings with a Sail Into Savings account

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

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®⁴

Zelle®⁴ is a fast, safe and easy way to send money to people you trust, using your Seacoast Bank Online & Mobile banking³.

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.

Frequently Asked Questions

What is second chance banking?

Are all banks second chance banks?

How does second chance banking work?

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.

BankOn Opportunity Checking - Banking with No Overdraft Fees

Experience Financial Freedom with Seacoast BankOn Opportunity Checking