Essential Checking - No Minimum Balance Required

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Paperless, Fee-Friendly Banking Designed for You

With Essential Checking you can enjoy the convenience of banking online or in-branch, coupled with simple ways to avoid fees and no minimum balance requirement.

Seacoast Essential Checking Account Features

Efficient Online Tools

  • Free Seacoast Bank Online & Mobile Banking1
  • Paperless Banking

Flexible Transaction Options

  • Fee-free access to 55,000+ Allpoint® ATMs worldwide2 
  • Unlimited check writing

Account Services and Savings

  • No minimum balance
  • Complimentary easy switch concierge3

Enjoy $0 Monthly Maintenance Fees When You:4

Opt into eStatements

AND

Meet any one of these:

  • Be 24 years old or younger
  • Receive one direct deposit of $500 or more per statement cycle
  • Make 10 or more debit card purchases per month

Open Your Essential Checking Account in Three Easy Steps

  1. Gather Your Info: We'll need your address, phone, email and Social Security number (or taxpayer ID).
  2. Fund Your Account: We'll need a bank account and routing number for your initial deposit.
  3. Done: We'll send you a confirmation email, then watch the mail for your debit card and checks.
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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 worldwide1. 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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Live chat with us.
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Find the right account for you →

1. 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-logo ATMs. Worldwide includes the USA, United Kingdom, Canada, Australia and Mexico.
3. Support Seacoast offers to new checking customers by helping them transfer direct deposits and recurring payments to fully activate their account.
4. Otherwise, a $10 monthly maintenance fee will apply.