Find required actions, helpful reminders, important dates and answers to your questions to keep your transition simple. Visit often for the most current information.
Ensure your contact details are up to date, including your phone number, email and mailing address, so you don't miss any important conversion-related communications.
Citizens First Bank ATMs are in the process of being converted to the Seacoast Bank ATM network and there may be brief periods of service interruption. Citizens First Bank customers will continue to enjoy fee‑free withdrawals, even after the ATM becomes part of the Seacoast Bank network.
Keep using your Citizens First Bank credit card; it stays active. After the conversion, you’ll receive a Seacoast Bank branded card and we’ll notify you when to switch.
Safe deposit boxes will not be accessible after 3 PM, Friday July 10. Please plan ahead if you need anything from your box over conversion weekend.
Access to your safe deposit box will resume when branches reopen as Seacoast Bank. The current rental agreement for your safe deposit box will remain unchanged. Seacoast Bank’s fees and discounts will apply at your next annual renewal.
To enhance your banking experience, the Citizens First – Spanish Springs Location, located at 1129 Main Street, will temporarily close at 3 PM on July 10, 2026 for a full remodel.
We’re excited to bring you a fresh new look when we reopen as Seacoast Bank later this fall.
What to Expect During the Refresh:
During the remodel period, we’ll still be here for you:
Lobby service will be unavailable during this time.
Need Lobby Service? We’ve Got You Covered.
Please visit our nearby Spanish Plaines Location, where our team will be happy to help with all your in‑person banking needs:
1500 Banderos Avenue
The Villages, FL 32159
Lobby Hours: Mon-Thu 9 AM – 4 PM, Fri 9 AM – 6 PM
Drive-Thru Hours: Mon-Thu 8:30 AM – 5 PM, Fri 8:30 AM – 6 PM, Sat 8:30 AM – 12 PM
We appreciate your patience while we put the finishing touches on your refreshed location. We can’t wait to welcome you back to a space designed with you in mind. If you have any questions, please don’t hesitate to reach out. We’re here to help every step of the way.
Associates will be available 9 AM - 4 PM (Mon-Thu) and 9 AM - 3 PM (Fri) to assist you with debit card activation, online banking and general conversion questions.
Access to Citizens First Bank Bill Pay will end at 5 PM. Payments scheduled before this time will process as normal.
All Citizens First Bank locations will close early at 3 PM
All Citizens First Bank locations and ATMs will open as Seacoast Bank with regular banking hours.
Seacoast Banking Corporation of Florida (NASDAQ: SBCF) is one of the largest community banks headquartered in the state. It offers a comprehensive suite of financial services—including commercial and consumer banking, wealth management and mortgage solutions—through 85 full-service branches across Florida, as well as via robust mobile and online banking platforms. Seacoast National Bank is the wholly-owned subsidiary bank of Seacoast Banking Corporation of Florida.
As of December 31, 2025, Seacoast Bank had over 1,500 associates, $20.8 billion in assets and $16.3 billion in deposits.
Since 1926, Seacoast Bank’s commitment to customers has remained the same and is summarized by its Four Promises.
Learn more about Seacoast Bank by visiting SeacoastBank.com
Yes. Just as your deposits are insured with Citizens First Bank, FDIC insurance will continue at Seacoast Bank.
Seacoast Bank is a Florida-based community bank celebrating 100-years of service this year. We focus on building long-lasting relationships with our customers and supporting the communities in which we serve. This transition means more resources for customers, without losing the personal service and care they’re used to.
No. Until the customer account conversion is completed, Citizens First Bank customers should continue to utilize Citizens First Bank branches for their banking needs.
You can rest assured that all existing Citizens First Bank branches will remain open operating under the same schedule, with the same friendly faces you know and trust. New Name. Same Heart.
Seacoast Bank has no current plans to close or reduce hours at any Citizens First Bank location. You’ll continue to see the same friendly team at the same branches you visit today.
Beginning the Week of March 23, Citizens First Bank ATMs will be converted to the Seacoast Bank ATM network. As ATMs convert, there may be brief periods when service is unavailable. Citizens First customers will continue to enjoy fee‑free withdrawals, even after the ATM becomes part of the Seacoast Bank network. Please note: Deposit capability at converted ATMs will be temporarily unavailable through July 13.
Citizens First Bank ATMs will be available for cash withdrawals only. During conversion weekend, deposits can be made using the night drop, as branches and ATMs will be unavailable. Any deposits made via the night drop over conversion weekend will be processed and posted to your account on Monday, July 13.
Beginning Monday, July 13, you can enjoy the benefit of fee-free ATM withdrawals at all of our Seacoast Bank ATM locations and fee-free ATM withdrawals at more than 55,000 Allpoint® ATM locations worldwide.* Visit seacoastbank.com/allpoint for additional details.
Plus, you can continue to enjoy fee-free** use of Presto ATMs through December 31, 2026 with no action needed.
*Worldwide includes USA, United Kingdom, Canada, Australia and Mexico.
**From July 14 through December 31, 2026 Seacoast Bank will waive foreign ATM fees when you use a Presto ATM. Any fees charged by Presto will be rebated to you on your bank statement.
The ATMs will stay right where they are and continue working as usual. If anything changes in the future, we’ll give you plenty of advance notice.
Once the systems are fully integrated, planned in July of 2026, you’ll enjoy fee-free access to Seacoast Bank’s statewide network of 100+ branches and 100+ in-branch ATMs, as well as fee-free withdrawals at 55,000+ Allpoint® network ATMs worldwide*. Plus, you can continue to enjoy fee-free** use of Presto ATMs through December 31, 2026.
*Worldwide includes USA, United Kingdom, Canada, Australia and Mexico.
**From July 14 through December 31, 2026 Seacoast Bank will waive foreign ATM fees when you use a Presto ATM. Any fees charged by Presto will be rebated to you on your bank statement.
If you have a Citizens First Bank credit card, it will remain active and you may continue using your current card as usual. We plan to reissue your Seacoast Bank branded credit card after conversion and will notify you at such time.
Yes, we offer both consumer and business credit cards. Learn more about consumer credit cards or Learn more about business credit cards.
Yes, your current rental agreement will remain the same. At the time of your annual renewal, Seacoast Bank’s fees and discounts will apply.
Find the steps and important details that apply to your personal or business deposit accounts. This section gives you clear actions, key dates and helpful reminders to keep your transition simple.
1 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.
Download or print your Conversion Checklist(s) to stay prepared. This handy guide outlines the essential steps you should take to ensure a seamless transition to Seacoast Bank.
Direct deposits including payroll and government benefits like Social Security, as well as scheduled payments, including subscriptions and utilities, will automatically transfer to your Seacoast Bank account. As a best practice, after your first direct deposit or payment is successfully received on or after Monday, July 13, contact your payers and billers to confirm they have updated their records to the Seacoast Bank routing number.
The bank routing number for your account(s) will change to the Seacoast Bank routing number, 067005158. No action is required for anything already set up. As a best practice, please use this routing number for any new wires, check orders or similar transactions after July 13.
Citizens First Bank ATMs will be converted to the Seacoast Bank ATM network. As ATMs convert, there may be brief periods when service is unavailable. Citizens First Bank customers will continue to enjoy fee‑free withdrawals, even after the ATM becomes part of the Seacoast Bank network. Please note: Deposit capability at converted ATMs will be temporarily unavailable through July 13.
2 No Fees at Allpoint® ATMs. Worldwide includes the USA, United Kingdom, Canada, Australia and Mexico.
3 Beginning July 13 through December 31, 2026, Seacoast Bank will waive ATM fees when you use your Seacoast Bank debit card at a Presto ATM. Any fees charged by Presto will be rebated to you on your bank statement during this time. Effective January 1, 2027, fee-free access will no longer be available.
Continue to use your Citizens First Bank checks until your supply runs out. When you need to order new ones, order online at ordermycehckes.com using Seacoast Bank's routing number 067005158.
We want to be sure your Seacoast Bank account is the best fit for you. You’ll have time to review its features and qualifications before any applicable monthly maintenance fees take effect. For more information, refer to your Welcome Book, pages 13-16 (Personal Banking) and pages 18-21 (Business Banking), for details.
Continue using your Citizens First Bank Debit Card for purchases and ATM transactions.
In most cases, nothing will change and no action is required. If any changes are expected to occur, customers will be notified directly by mail, email and on your dedicated welcome website with specific information. The biggest benefit: Seacoast Bank customers gain access to expanded digital tools and over 55,000 Allpoint® ATMs nationwide.
You can make cash and check deposits at any Seacoast Bank branch or ATM location starting on Monday, July 13. You can also make check deposits using our Mobile Banking app. Visit the Google Play or Apple® App Store* and download the app today. See our Funds Availability Policy below.
* Apple, the Apple logo, iPad, iPhone, iPod touch, Apple Watch, Touch ID and Apple Pay are trademarks of Apple Inc., registered in the United States and other countries.
Continue to use your Citizens First Bank checks until your supply runs out. When ordering new checks please use Seacoast Bank routing number, 067005158.
Good news: your direct deposit process will remain the same. Your existing direct deposits will automatically continue to be deposited into your new Seacoast Bank account. When establishing any new direct deposits, make sure to use your Seacoast Bank account number with the Seacoast Bank routing number 067005158.
Details about your new account and its benefits are available in the welcome packet.
Compare Personal Checking Accounts | Compare Business Checking Accounts
Interest from your last statement cycle through Friday, July 13, will be paid on your interim statement issued by Citizens First Bank . Seacoast Bank will accrue interest from July 14 going forward. Interest will be paid quarterly for savings accounts and monthly for checking and money market accounts.
Your CD will continue to have the same rate and term until maturity. We use the daily balance method to calculate interest on your account. This method applies a daily periodic rate to the principal in the account each day. Interest will be credited to your account monthly and compounded monthly which may be different from your current interest accrual method.
Deposits are available the next business day following a deposit.
Transactions are posted at the end of the day.
Continue using your Citizens First Bank Debit Card through Sunday, July 12. After this date, please destroy your Citizens First Bank Debit Card as it will no longer be active.
Yes, starting Monday, July 13, if you have recurring payments tied to your Citizens First Bank Debit Card, you will need to contact those companies to provide your Seacoast Bank card information.
Yes, if you have your Citizens First Bank Debit Card in a digital wallet or are using it as a payment method on shopping sites or apps, update your card information with your new Seacoast Bank Visa® Debit Card number on Monday, July 13.
Yes, you may activate your new Seacoast Bank Visa® Debit Card upon arrival by calling 888.669.4059 to begin using it on Monday, July 13.
Please Note: attempting to use your new card before Monday, July 13 will result in the transaction being declined.
Continue using your Citizens First Bank Debit Card through Sunday, July 12. Activate your new Seacoast Bank Visa® Debit Card by calling 888.669.4059 and begin using it on Monday, July 13. Attempting to use your new card before Monday, July 13 will result in the transaction being declined.
Yes, simply add your Seacoast Bank Visa® Debit Card to your mobile wallet on Monday, July 13 for a fast, secure way to pay. Visit seacoastbank.com/mobilewallet for details.
If you have not received your Seacoast Bank card, you can visit you local branch for immediate assistance or call our Customer Support team at 888.669.4059.
We are sorry for the inconvenience, a new Seacoast card can be issued at a branch today, or we can overnight a replacement.
Beginning the Week of March 23, Citizens First Bank ATMs will be converted to the Seacoast Bank ATM network. As ATMs convert, there may be brief periods when service is unavailable. Citizens First Bank customers will continue to enjoy fee‑free withdrawals, even after the ATM becomes part of the Seacoast Bank network. Please note: Deposit capability at converted ATMs will be temporarily unavailable through July 13.
Citizens First Bank ATMs will be available for cash withdrawals only. During conversion weekend, deposits can be made using the night drop, as branches and ATMs will be unavailable. Any deposits made via the night drop over conversion weekend will be processed and posted to your account on Monday, July 13.
The ATMs will stay right where they are and continue working as usual. If anything changes in the future, we’ll give you plenty of advance notice.
Beginning Monday, July 13, you can enjoy the benefit of fee-free ATM withdrawals at all of our Seacoast Bank ATM locations and fee-free ATM withdrawals at more than 55,000 Allpoint® ATM locations worldwide.* Visit seacoastbank.com/allpoint for additional details.
Plus, you can continue to enjoy fee-free** use of Presto ATMs through December 31, 2026 with no action needed.
*Worldwide includes USA, United Kingdom, Canada, Australia and Mexico.
**From July 14 through December 31, 2026 Seacoast Bank will waive foreign ATM fees when you use a Presto ATM. Any fees charged by Presto will be rebated to you on your bank statement.
Once the systems are fully integrated, planned in July of 2026, you’ll enjoy fee-free access to Seacoast Bank’s statewide network of 100+ branches and 100+ in-branch ATMs, as well as fee-free withdrawals at 55,000+ Allpoint® network ATMs worldwide*. Plus, you can continue to enjoy fee-free** use of Presto ATMs through December 31, 2026.
*Worldwide includes USA, United Kingdom, Canada, Australia and Mexico.
**From July 14 through December 31, 2026 Seacoast Bank will waive foreign ATM fees when you use a Presto ATM. Any fees charged by Presto will be rebated to you on your bank statement.
Your deposit account statement will contain the same information but will have a new layout. You will start to receive your new Seacoast Bank statement after Monday, July 13 for the next statement cycle.
Yes, your deposit statement cycle date will remain the same. All savings account statements will be mailed quarterly or more frequently.
Yes, Citizens First Bank will mail an interim statement for all deposit and loan accounts as of end of business on July 10. Your deposit account statement will then resume on its regular statement cycle date with the new Seacoast Bank statement layout.
You will need to re-establish your eStatements in Online Banking on Monday, July 13.
You will need to re-establish your eStatements in Online Banking on Monday, July 13.
Here you will find information tailored to the Treasury (Cash) Management services your business uses. Review important dates, required actions and helpful instructions that support a smooth transition to Seacoast Bank.
Originated ACH transactions & files with an effective date on or after July 20, 2026, must be re-entered and approved on or after July 13, 2026.
All scheduled or recurring ACH files will need to be reapproved on or after July 13, 2026.
Export account data and deactivate your Citizens First Bank accounts by 3 PM. View Instructions.
Download or print the Treasury (Cash) Management Conversion Guide for step-by-step instructions and use the Treasury (Cash) Management Conversion Preparation Checklist to track your progress and stay on schedule.
You will receive your RDC credentials by email. You will be able to login during the week of July 6th to preview.
Before 3 PM, print or download any RDC reports or check images you may need for future reference.
Download and save your wire transfer history from Citizen First Bank’s digital banking platform for future reference.
Any future-dated wire transfers scheduled to process after July 10 will need to be rescheduled on or
after Monday, July 13, when Seacoast Bank’s wire transfer services become available.
Seacoast Bank ACH Origination services become active.
Reapprove recurring ACH on/after July 13. ACH Cutoff Times:
If the scheduled date falls on a weekend or holiday:
Update Nacha file headers
For added security, Seacoast Bank requires the use of Tokens for approval of high-value transactions.
Positive Pay exceptions will not be viewable within Citizens First Bank Online Banking. We will contact you directly for your decision on each exception. You may also provide your decisions by calling Treasury (Cash) Management Customer Care at 866.414.2223.
Online decisioning will resume through Seacoast Bank Online Banking.
Review outstanding issues files to ensure all items transferred correctly during the conversion.
The pay/return decision cutoff is 2 PM. Items without a decision will be paid/returned based on your default on record.
Teller Positive Pay will be enabled to provide an added layer of protection.
Access to the Citizens First Bank RDC platform will no longer be available after 3PM.
Your Seacoast Bank RDC login credentials will be sent to you by email.
This is the last day Citizens First Bank Wire Transfers will be delivered. Any wire transfers scheduled to process after July 10 will need to be reapproved on or after Monday, July 13, when Seacoast Bank's wire transfer services become available. Be sure to download your wire transfer history from the Reports menu in the Citizens First Bank digital banking platform.
Begin scheduling recurring and future-dated Wire Transfers using Seacoast Bank Online Banking.
For added security, Seacoast Bank requires the use of Tokens for approval of high-value transactions.
You will continue to receive your alerts to make Pay/Return decisions on ACH items.
There will be no ACH Positive Pay decisions to make.
Please complete all ACH Positive Pay decisions as early as possible on this date.
This is the last day for Bill Payments to be delivered from your Citizens First Bank account. Schedule all payments prior to 3 PM. Bill Pay will be unavailable after 3 PM. Any items scheduled to process after July 9 will be handled through Seacoast Bank Bill Pay.
Your payees, funding accounts, future-date and recurring payments will transfer automatically. No need to re-enter payee information.
As an added protection to your accounts, Seacoast Bank utilized transaction monitoring. At times, we may call you to confirm higher-risk online originated transactions. When this occurs, prompt response is important to avoid processing delays.
Bill Pay - 8:00 PM
Mobile Deposit - 7:00 PM
ACH:
Same‑Day - 1:55 PM
Next‑Day Settlement (future‑dated) - 6:00 PM/Next Day
Wires:
Incoming - 6:00 PM
Outgoing Online Domestic - 5:00 PM
Outgoing Online International - 5:00 PM
Outgoing Branch Domestic - 4:30 PM
Outgoing Branch International - 4:30 PM
Positive Pay (Check & ACH)
Exceptions (Default “Return”) - Decisioning by 2:00 PM
Tokens
To enhance security, Seacoast Bank requires the use of tokens for online ACH and wire approvals. Tokens add an extra layer of security, ensuring that only authorized users can approve high-value transactions.
ACH & Wire PIN Forms
Seacoast Bank uses PIN forms for identify non-account signers. This PIN is used if Seacoast Bank needs to call the client for ACH or Wire validation or should the user need to call Seacoast Bank for assistance
RDC platform
You can now make deposits until 8 PM for same day credit.
ACH Positive Pay
ACH Positive Pay is now integrated within digital banking for stronger protection against unauthorized transactions, with mobile access that allows you to review ACH items and make Pay and Return decisions.
Transaction Monitoring
For security, Seacoast Bank may contact you to confirm certain transactions. If we can’t confirm a transaction by phone, you may need to re-enter it the next day.
You can contact our Seacoast Bank Treasury Customer Care team at 866.414.2223. Our associates are familiar with all of our product solutions and services and are your best resource for information and support. Representatives are available Mon-Fri 8 AM - 6 PM.
To view the Seacoast Bank Treasury Management Master Agreement, visit SeacoastBank.com/agreements-and-disclosures.
Relationship reviews will be coordinated between your Relationship Manager and respective Treasury Solutions Consultant to ensure nominal pricing impact.
For step-by-step guidance, we’ve created Instructional Videos covering the most popular tools and features. The videos are available within Seacoast Bank Online Banking, located at the bottom of the navigation menu.
Your company’s online banking admin can be identified by reviewing the menu items you each have access to. The admin will have a menu option of “Administration”.
You will have the ability to create, edit, or delete user access, permissions and entitlements.
Funds deposited before 8 PM ET on a bank business day will be made available same day. Funds deposited after 8 PM ET or on a non-business day will generally be made available on the next Business Day. Longer delays to the availability of funds may apply.
The cut-off time for same-day wire transfer is 5 PM ET each business day. Wire transfers initiated after this time will be processed the following business day.
The cut-off time for same-day RDC credit is 8 PM ET each business day.
The cut-off time for Same Day ACH files is 1:55 PM ET each business day. The cut-off time for next-day or future-dated ACH items is 6 PM ET each business day. ACH files initiated after this time will be processed the following business day.
In order to minimize errors and the need to send reversal entries, we recommend sending ACH files 2 days prior to the effective date.
Seacoast Bank offers two easy options for the use of tokens:
Seacoast Bank's routing number is 067005158 and Seacoast Bank's SWIFT code is (International Use Only) SNBFUS3F, UCBMUS33.
This section gives you the key information you need as your loan moves to Seacoast Bank. You will find important steps, timing and helpful reminders to keep your transition simple.
Download your payment history from Citizens First Bank Online Banking.
Your loan terms, including your interest rate, maturity date and other key conditions, will not change, and your loan will continue to be serviced locally throughout the transition and beyond. If you have a mortgage loan or HELOC/Personal Line of Credit, you’ll receive separate communications with specific details about how your account will transition to Seacoast Bank.
If you have automatic loan payments, they’ll continue as usual and will appear on your statement once processed.
Your loan statement billing date and payment due date remain the same, unless you were notified otherwise.
If you have questions about your existing loan, please contact us at LoanCustomerService@SeacoastBank.com or 888.669.4059.
You can access funds from your Line of Credit through online banking transfers. If you currently use Home Equity Line of Credit (HELOC) checks, you may continue to use them. When you're ready to order new checks, please visit ordermychecks.com and use Seacoast Bank’s routing number 067005158.
You may notice that insurance verification requests look different than what you’re used to. This is part of the transition to the Seacoast Bank systems and requires no action unless we contact you directly.
All terms, conditions and interest rates for your mortgage loan will remain the same. Should you have any questions regarding the servicing of your mortgage, please contact Seacoast Bank Mortgage Servicing at 888.669.4059.
As part of our standard servicing practices, Seacoast Bank reports to all major credit bureaus. This may differ from your experience with Citizens First Bank. If you monitor your credit or use credit-tracking tools, you may notice updates from the additional bureaus once your loan transitions to Seacoast Bank. No action is required.
You can make loan payments using any of the options below:
Yes, your loan payment will continue to be automatically deducted from your account and the payment will be reflected on your statement.
Please note, if your automatic payments are set to occur before the due date or for an amount different than the total amount due:
Your Line of Credit statement will contain the same information but will have a slightly different layout.
Here you will find the details you need to prepare for your move to Seacoast Bank digital banking. Review important dates, actions and tips that help you stay connected and confident throughout the transition. You will also see clear instructions that guide you through the Seacoast Bank Online & Mobile Banking experience.
Have your Citizens First Bank Online Banking User ID and password saved. You will need them to login to Seacoast Bank Online Banking.
Export account data and deactivate your Citizens First Bank accounts by 3 PM. View Instructions
Download or print any statements, documents or transaction information prior to 3 PM. Statement history may not be available after Friday, July 31.
At the end of the business day, Citizens First Bank will mail your final paper statement for all deposit and loan accounts. This includes a one-time paper statement for all customers, even if you typically receive eStatements.
Do not schedule any future-dated transfers after 3 PM. Review and note any recurring or external transfers. External transfers will need to be re-established beginning Monday, July 13.
Access to Citizens First Bank Online and Mobile Banking for new transactions will end at 3 PM. Personal accounts will continue to have read only access through July 31 so you can view or download your transaction history and statements.
If you currently use Citizens First Online Banking and/or mobile banking app, you will automatically have access to Seacoast Bank Online & Mobile Banking. You will receive an email detailing the Login steps and notifying you of any changes.
Your Citizens First Bank deposit history from January 1 through July 10, 2026, will also be available in Seacoast Bank Online Banking.
Download the Seacoast Mobile Banking App from the Apple® App Store* or Google Play Store.
*Apple, the Apple logo, iPad, iPhone, iPod touch, Apple Watch, Touch ID and Apple Pay are trademarks of Apple Inc., registered in the United States and other countries.
You will have read-only access to the Citizens First Bank Online Banking platform to view or download your transaction history and statements. As a best practice, retain your receipts for transactions completed during conversion weekend, including debit card purchases.
Don’t currently have Online or Mobile Banking? You can sign up for access beginning Monday, July 13, 2026
Enable Online Banking Alerts in Seacoast Bank Online Banking by navigating to "Alerts & Settings" from the menu and then choose "Alerts" to set up your preferred online banking alerts.
Complete all recurring transfer between Citizens First Bank accounts and transfers to or from external accounts before 3 PM.
Recurring transfer between Citizens First Bank accounts will automatically move to your Seacoast Bank Online Banking account.
We will be migrating over recurring and future dated external transfers on loans but not deposit external transfer accounts, if configured by June 18. Anything after that date will not be captured. We will not be migrating any deposit account external transfers.
Credit Score Powered by SavvyMoney® will no longer be available after the transition.
You will need to re-establish your eStatements in Seacoast Bank Online Banking:
Seacoast Bank is working to make up to seven years of your historical statements available in your Seacoast Bank Online Banking account.
Final Citizens First Bank paper statements will be mailed as of the end of the business day for all deposit and loan accounts.
The cut-off time for mobile deposits is 7 PM ET on any banking day.
Payments schedule before 5 PM will process as normal.
Seacoast Bank is working to transfer your existing payees, funding accounts, future-dated and recurring payments and payment history to the new Online Banking platform.
Begin scheduling bill payments using your Seacoast Bank Online Banking.
Any existing card control alerts from Citizens First Bank will not transfer to Seacoast Bank.
Update your Quicken® & QuickBooks® Financial Institution settings. View Instructions.
Zelle®* will continue to be available through Seacoast Bank (personal accounts only).
*Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.
Please check that your current browser and device(s) are supported. Browser & Device Requirements
If you currently use Citizen's First Bank Online Banking, you will automatically have access to Seacoast Bank Online & Mobile Banking on Monday, July 13. You will receive an email on the morning of July 13, outlining your log in steps.
Bookmark the URL for Seacoast Bank Online Banking
On the Login Page:
Personal Account Login
*In rare instances, we do find duplicate Log in IDs exist between the two banks. If your current Log in ID is a duplicate, we will notify you by email with a temporary Log in ID.
Business Account Login
On the Secure Access Code Target page, click or tap one of the contact methods to send a secure access code.
On the Enter Secure Access Code page, complete the following:
You will then be prompted to create a new password. Enter your current password and then enter your new password following the password requirements listed and select Submit.
If prompted to register the device, click or tap Register Device**.
**You should only register your device if it is a private device.
Read the agreement on the Disclaimers page and click or tap I Accept. When you accept the agreement, the Home page appears.
Note: If you have difficulty logging in or if your contact information is not showing or is incorrect, please contact Customer Support at 888.669.4059
Customer Support Hours:
Mon - Fri | 7am - 10pm
Saturday | 8:30am - 5pm
Sunday | CLOSED
Must be between 8 and 32 characters
Must contain at least:
For step-by-step guidance, we've created demo videos covering the most popular tools and features, click a topic below to view video. For your convenience, these videos are also available within Seacoast Bank Online Banking by clicking on Contact Us & Help
For step-by-step guidance, we’ve created demo videos covering the most popular tools and features. For your convenience, these videos are also available within Seacoast Bank Online Banking by clicking on Instructional Videos at the bottom of the menu listing.
Yes, Seacoast Bank offers online and mobile banking. Click here to learn more about our online and mobile banking features.
If you currently use Citizens First Bank Online Banking, you will receive an online banking activation email between June 30 and July 13 with first‑time login instructions.
Don’t currently have Online or Mobile Banking? You can sign up for access beginning Monday, July 13, to complete the enrollment process select from the options below:
Access to Citizens First Bank Online and Mobile Banking for new transactions will end at 3 PM on July 10. You will continue to have read only access through July 31 so you can view or download your transaction history and statements.
If you currently use Citizens First Bank Online Banking and/or mobile banking app, you will automatically have access to Seacoast Bank Online & Mobile Banking. You will receive an email detailing the log in steps and notifying you of any changes.
Download the Seacoast Mobile Banking App from the Apple® App Store* or Google Play Store.
* Apple, the Apple logo, iPad, iPhone, iPod touch, Apple Watch, Touch ID and Apple Pay are trademarks of Apple Inc., registered in the United States and other countries.
Yes, you can access both your personal and business accounts by enrolling in Seacoast Bank Online Banking.
Existing Citizens First Bank Online Banking customers will receive an email with detailed information about their user ID and password the morning of July 13.
No, you do not need a separate Login ID and password to log into the Mobile Banking app. The same Login ID and password you use to access your Online Banking account can be used to access your account through desktop, tablet and mobile devices.
You can download the Seacoast Mobile Banking app* from the Apple® Store** or Google Play Store.
*You may be charged fees by the provider of the wireless network you are using to access mobile banking and mobile deposit services.
**Apple, the Apple logo, iPad, iPhone, iPod touch, Apple Watch, Touch ID and Apple Pay are trademarks of Apple Inc., registered in the United States and other countries.
For step-by-step guidance, we’ve created Demo Videos covering the most popular tools and features. The videos are available within Seacoast Bank Online Banking or by visiting the Personal Account Demos and Business Account Demos tabs of this Welcome site.
Recurring & External Transfers Recurring internal transfers between your Citizens First Bank accounts will move to your new Seacoast Bank Online Banking profile automatically. When they appear, they will be in draft status, so you will need to approve them before they start again.
Beginning July 13, go to Pay & Transfers > Online Activity > Recurring Transactions in Online or Mobile Banking to restart these transfers. If no action is taken, the transfers will not continue. Recurring external transfers, which are transfers you set up in Citizens First Bank Online Banking from your accounts at other banks or credit unions, will move differently.
Seacoast Bank has partnered with Zelle® to provide you a fast, safe and easy way to send money in minutes* to friends, family and others you know right from Seacoast Bank Online Banking and the Seacoast Mobile Banking app for personal accounts only not business. Zelle® makes it easy to send or receive money with the people you trust who have a bank account in the U.S., all you need is a U.S. mobile phone number or email address. Learn more about using Zelle®
*Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.
Seacoast Bank will make every effort to convert your existing payees and recurring bill payments into our Online Banking platform. Please review your Bill Payment details in Seacoast Bank Online Banking beginning at 12 PM (noon) on Monday, July 13.
Yes, when you send a payee a payment, the funds are withdrawn from your account and used to pay the bill per your instruction. This transaction occurs on the day the request is processed and the payment is sent to the payee.
If your payment is sent by check, it will be a Bill Payment check drawn on the Bill Pay provider's account. All Bill Payments are electronically withdrawn from your account on the Send On date.
In order to retain your current information, you will need to download it before Friday, July 10 at 3 PM. Transactions made on Friday, July 10, may not be available when you reconnect, but these items will still be available on your statement.
The migration to Seacoast Bank Online and Mobile banking will require that you make changes to your QuickBooks or Quicken software, so please take action to ensure a smooth transition. Conversion instructions can be found here.
The cut-off time for mobile deposits is 7 PM ET each business day.
Seacoast Bank will make every effort to make your historical account statements available in Seacoast Bank Online Banking. Historical Account Statements maintained on Citizens First Bank Online Banking platform may not be available after Thursday, July 9. We recommend printing or downloading any account statement history you may need for your records.
For questions regarding instructions on obtaining transaction history or statements, please contact your local Citizens First Bank Branch.
Yes, establish or re-establish your eStatements within Online Banking by navigating to “Account Management and Services” for personal accounts or "eStatements & Notices" for business accounts from the menu and then choose "Statement Preferences" to confirm your statement delivery method.
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