Compare Personal Checking Accounts

Choosing the right checking account is like finding the perfect fit for your wallet – it needs to match your lifestyle and preferences. With a variety of unique checking account types, Seacoast Bank helps you find the best checking account for you.

All Seacoast checking accounts offer simple, convenient and secure banking anytime, anywhere. As your local Florida financial experts, our team members are always available to provide you with local insights, solutions and service.

Get Help Choosing the Right Account

Receive personalized account recommendations based on your spending habits and lifestyle with our Account Selector >

Compare the features and benefits of all Seacoast Bank checking account options below to find the best checking account for you. 

Select up to 3 checking accounts to compare features:

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Banking Freestyle

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Classic Checking

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Premium Checking

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Banking Freestyle Student Checking

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Senior Classic Checking

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Online and Mobile Banking
Mobile Check Deposit
Visa® Debit Card
Allpoint® Fee-Free ATMs
Loan Discount*
Safe Deposit Box Discount
Earns Interest
Additional Free Accounts
Non-Seacoast ATM Use Fee Rebate**
Free Wire Transfers
Unique Free Benefits
Monthly Service Fee
Sail Into Savings
0

$0 Monthly Maintenance Fee when you:

  • Opt to receive e-statements & perform 7 debit card purchases per statement cycle
    OR
  • Opt to receive e-statements & have one direct deposit of $250 or more per statement

Otherwise a $10 monthly maintenance fee will apply

50% Off
Sail Into Savings
2

$0 Monthly Maintenance Fee when you:

  • Maintain a minimum daily balance of $1,000
    OR
  • Maintain a minimum monthly average balance of $2,500
    OR
  • Maintain a minimum daily combined balance of $5,000 in Savings, Money Market, CD or IRA
    OR
  • Maintain a consumer loan or line of credit (excluding credit cards)

Otherwise a $15 monthly maintenance fee will apply

50% Off
Sail Into Savings, 2 Premium Checking accounts
4
Cashier's Checks, Stop Payment & Standard Checks

$0 Monthly Maintenance Fee when you:

  • Maintain a minimum daily balance of $5,000
    OR
  • Maintain a minimum monthly average balance of $7,500
    OR
  • Maintain a minimum daily combined balance of $15,000 in Savings, Money Market, CD or IRA
    OR
  • Maintain a Trust relationship with Seacoast Wealth Management
    OR
  • Maintain a Brokerage relationship with Seacoast Investment Services
    OR
  • Maintain a consumer, residential or commercial loan or line of credit (excluding credit cards)

Otherwise, a $25 monthly maintenance fee will apply

Sail Into Savings
0

$0 Monthly Maintenance Fee when you:

  • Are under 18 years of age
    OR
  • Are 18-24 years of age & receive e-statements
    OR
  • Receive e-statements & perform 7 debit card purchases per statement cycle
    OR
  • Opt to receive e-statements & have one direct deposit of $250 or more per statement

Otherwise a $10 monthly maintenance fee will apply

50% Off
Sail Into Savings
2
Standard Checks

$0 Monthly Maintenance Fee when you:

  • Maintain a minimum daily balance of $750
    OR
  • Maintain a minimum monthly average balance of $1,500
    OR
  • Maintain a minimum daily combined balance of $5,000 in Savings, Money Market, CD or IRA
    OR
  • Maintain a consumer loan or line of credit (excluding credit cards)
    OR
  • Have a direct deposit of $250 or more per statement

Otherwise a $10 monthly maintenance fee will apply. For individuals age 55 or older.

What to Look for in a Checking Account

Comparing checking accounts is a perfect way to narrow down your options. But how do you know what to look for?

  • Fee Structure: Surprise fees are not enjoyable for anyone. So be sure to educate yourself on required or possible fees like monthly maintenance fees, ATM charges or overdraft fees. Choose an account that keeps these fees low or offers waivers if you meet certain conditions.
  • Interest Rates: While checking accounts may have a lower return rate than a dedicated savings account, they can still offer you some extra cash. Check if the accounts offer any interest on your balance.
  • Accessibility and Locality: You want your money to be accessible to you wherever you are. Make sure your account gives you access to nearby ATMs and branches, online banking and mobile apps. Choosing a local bank also means receiving personalized customer service and contributing to the growth of your community.
  • Minimum Balance Requirements: Some account types require you to maintain a minimum balance at all times. Choose an account that doesn't lock up a significant portion of your funds.
  • Additional Features: Extra features mean more ways to manage your finances. Explore the benefits of features such as online bill payment, overdraft protection and fee-free ATMs to enhance your banking convenience.
  • Bank Reputation and Stability: Ensure that you trust the professionals handling your account by researching the bank's reputation, reading customer reviews and evaluating its financial stability before finalizing your decision.
  • Special Offers: If you qualify for special checking account requirements, like being a senior citizen or a student, you can enjoy extra benefits from those specialized accounts, like free checks, safe deposit boxes or $0 monthly maintenance fees.

By keeping these factors in mind, you'll be on your way to finding the perfect checking account for you.

 

How Do I Choose a Checking Account?

Choosing a checking account shouldn't feel like rocket science – it's all about finding what works best for you. Start with some of these ideas in mind:

  • Know Your Needs: Start by thinking about how you use your account. Do you swipe your card often or just keep a balance for emergencies? Understanding your habits will help you find an account that matches your style.
  • Explore Your Options: Don't settle for the first account you come across. Compare checking accounts to see what different accounts have to offer. You might be surprised by the variety of options.
  • Consider Online Banking Needs – For many, online and mobile banking are essential value adds. Online banking allows you to monitor, transfer and track your finances anywhere. If this applies to you, be sure to ask your potential bank what features and services they offer.

Simple and easy banking starts with a simple process. Know your banking needs, explore your checking account options and trust your gut when you’re ready to make a final decision.

 

Checking Account Comparison FAQs

Are Checking Accounts FDIC-Insured? 

    • Yes, checking accounts are FDIC-insured up to $250,000 per depositor as long as your bank is FDIC-insured, such as Seacoast, so be sure to verify this information before opening an account. FDIC-insured banks provide protection against bank failure and fund loss.

What is Required to Open a Checking Account? 

    • When opening a checking account, you will need to bring or provide documentation online of a government-issued ID, your social security number and the initial deposit.

Does Opening a Checking Account Affect Credit Score?

    • No, opening a checking account usually does not impact your credit score as it is not a form of credit.

Can I Open a Checking Account Online?

Connect with a Local Banker.

Are you interested in contacting a local, Florida banker to discuss your individual financial needs? We’d love to speak with you. Schedule a consultation today.

Call us at:
866.710.5778
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Convenient & Secure Banking On The Go.

Access your accounts from your mobile device anytime, anywhere using the Seacoast Mobile Banking app.

 

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Our Four Promises.

At Seacoast Bank, everything we do is based upon core beliefs summarized in the Four Promises we make to you. When you entrust your banking to us, we promise to:
right team to serve you
Get you comfortable with the right products and the right team to serve you
Make your day-to-day banking simple
Make your day-to-day banking simple
Resolve out-of-the-ordinary items responsively
Resolve out-of-the-ordinary items responsively
Invest in you and your community
Invest in you and your community