Preferred Checking - A Traditional Checking Account with Modern Convenience at Your Fingertips

Preferred checking is a type of traditional checking account offered by many community and regional banks. It typically includes features like unlimited check writing, paper statements and access to a personal banker, paired with online and mobile banking tools. Seacoast Preferred Checking offers these traditional features along with three ways to waive the monthly maintenance fee, making it a good fit for customers who keep moderate monthly balances or hold other deposit accounts at Seacoast.

The features that matter most in a traditional checking account depend on how you use it, but a few tend to come up consistently: unlimited check writing, fee-free access to ATMs, paper statements if you prefer them, mobile deposit and clear ways to waive any monthly maintenance fee. Preferred Checking includes all of these along with two non-Seacoast ATM rebates per statement cycle and fee-free access to more than 55,000 Allpoint^® ATMs² worldwide.

To open a Preferred Checking account online, you can plan to have three things ready: your personal information (address, phone number, email and Social Security number or taxpayer ID), a bank account and routing number for your initial deposit and a few minutes to complete the application. Once you submit, you can expect a confirmation email, followed by your debit card and checks in the mail.

Preferred Checking sits between Essential Checking and Elite Checking in Seacoast's personal checking lineup. Essential Checking is a paperless account with no minimum balance requirement, which can be a good fit for customers who want a simple, all-digital account. Preferred Checking adds paper statements, unlimited check writing, non-Seacoast ATM rebates and three ways to waive the monthly maintenance fee. Elite Checking builds on Preferred with interest earnings and premium benefits for customers who maintain higher balances.