Business Checking



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Online & Mobile Banking

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Access to More Than 55,000 Fee-Free
Allpoint® ATMs1

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150 Free Items
Per Month2

Discover Your Best Small Business Checking Account to Support Your Financial Goals

Dependable Banking Features

  • Seacoast Online & Mobile Banking access with Bill Pay, eBills, check images and eStatements
  • No monthly fee3
  • Easy wire transfers from your online checking account4

Flexible Transaction Options

  • Complementary Seacoast Visa® Business Debit Card, including Zero Liability coverage5
  • Remote Deposit Capture6
  • Available for electronic transactions and checks6

Innovative Solutions

  • Complimentary Easy-Switch Concierge
  • Available Merchant Services6
  • Available account reconciliation services6
  • Available lockbox services6

Business Checking has $0 Monthly Fee3 When
You Meet The Following Criteria:

  • Maintain a $1,000 average monthly balance
1. No Fees at Allpoint® ATMs. Worldwide includes the USA, United Kingdom, Canada, Australia, and Mexico.
2. Up to 150 free items each month; $0.35 for each item over 150. “Items” include checks paid, deposit slip and each check within the deposit.
3. Monthly Fee waived if you maintain a $1,000 average monthly balance, otherwise a $10 monthly maintenance fee will apply.
4. Subject to an additional fee.
5. Visa’s Zero Liability Policy covers U.S.-issued cards only. Does not apply to ATM transactions, certain commercial card transactions, PIN transactions not covered by Visa or any other transactions not processed by Visa. You must notify your financial institution immediately of any unauthorized use. This card is issued by Seacoast Bank pursuant to a license from Visa USA, Inc. Visa is a registered trademark of Visa International Service Association.
6. Available as an addition to your business checking account. A monthly fee will be assessed for this service.

What do you need to open a Business Checking account?

Your Business Information

We'll need the business address, phone, email, date of birth and Social Security number (or taxpayer ID) for each individual who has 25 percent or more beneficial ownership in the legal entity and one individual with significant managerial control.

A Completed Application

You will need to complete the business checking account application. When you're filling out this application, you will review and agree or decline the terms and conditions associated with the account.

Funds for Your Account

You should be prepared to provide a bank account and routing number for your initial deposit of funds into your business account.

Confirmation and Account Setup

Once your application is processed and approved, we will send you a confirmation of account approval. You will receive your debit card and optional checks by mail.

 

 

Do I Need a Business Checking Account?

A business account isn't required, but having a dedicated business checking account can offer many benefits while helping you manage your finances smoothly. Here are some ways a business checking account can help you:

  • Separation of Personal and Business Finances: Separating personal and business finances is important for maintaining accurate records, simplifying tax filing and protecting your personal assets in case of legal disputes.
  • Professionalism: Using a business checking account adds a level of professionalism to your business transactions. It shows clients and partners that you are serious about your business operations.
  • Easy Tracking and Reporting: With a dedicated business checking account, you can easily track the income and expenses related to your business. This makes financial reporting, budgeting and decision-making much more efficient.
  • Access to Business Banking Services: Business checking accounts come with a range of business services, such as merchant services, business loans, overdraft protection and more.
  • Financial Management Tools: Business checking accounts come with online and mobile banking platforms that offer financial management tools like expense categorization, invoicing and real-time account monitoring.

Overall, a business checking account can save you time, improve your financial organization and provide valuable resources to support your business growth.

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.

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Convenient & Secure Business Banking On The Go.

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

 

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Business Checking FAQs

Do Business Checking Accounts Earn Interest?

  • Business checking accounts are not designed to earn interest. They are mainly for managing day-to-day financial activities like payments and deposits separately from personal funds or transactions.

Can I Open a Business Checking Account Online?

  • Yes, you can open a checking account online. If you have the required documentation and are ready to apply, fill out our secure online application. Our team will reach out to you with any questions.

What is a Business Checking Account Commonly Used For?

  • A business checking account is primarily used for managing financial transactions, like receiving customer payments, paying bills, making purchases and managing cash flow for business operations.

Are Business Checking Accounts FDIC-Insured?

  • Yes, business checking accounts are insured by FDIC (Federal Deposit Insurance Corporation) up to $250,000 as long as your bank is FDIC-insured. FDIC insurance protects against bank failures or closures, providing financial protection to depositors.