Frequently Asked Questions.

Every new experience comes with its fair share of questions. Here’s where you can find the most helpful answers to guide you through the upcoming transition.

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Since 1926, Seacoast Bank has maintained a strong, stable presence with deep roots in the neighborhoods it serves and a secure place in the hearts of its customers. Seacoast Bank continues to grow its presence throughout Florida, is the #1 Florida-based bank in the Port St. Lucie/Treasure Coast area, the #1 Florida-based bank in Orlando, and the #2 Florida-based bank in Palm Beach County.

Seacoast Bank is a third generation, family-influenced bank with over 1,000 associates and $9.3 billion in assets.

For more than 90 years, Seacoast's commitment to customers remains the same and is summarized by its Four Promises:

  • Get you comfortable with the right products and the right team to serve you
  • Make your day-to-day banking simple
  • Resolve out-of-the-ordinary items responsively
  • Invest in you and your community

Learn more about Seacoast Bank by visiting SeacoastBank.com


The merger closed in early January 2022. The date of customer account conversion will take place in March, 2022. As we approach conversion, you will receive a welcome packet including details about your account and any additional banking options available to you.


The proposed merger will greatly benefit our customers and associates with the added convenience of more branches, more ATMs, and a wider array of financial solutions including Wealth Management, Residential Lending and a dedicated business banking team.

When you bank with Seacoast you have options.

  • Live Florida-based Telephone Banking Representatives to assist with account servicing
  • Fee-Free access to over 55,000 Allpoint® ATMs worldwide*
  • 52 Seacoast Bank Branches in 14 counties
  • Online and Mobile Banking with digital check deposit capabilities
  • Deposit, transfer funds and access cash using any of our 50+ Seacoast Bank ATMs
  • Access your accounts 24/7 with automated phone service, FastLane

*Worldwide includes USA, United Kingdom, Canada, Australia and Mexico.


You should continue banking as normal. Seacoast Bank and Florida Business Bank teams are working together to make this transition as smooth as possible for you.


More information will be coming soon as our teams finalize the transition plan. Account numbers and product types will not change at this time. Everything is business as usual.


Yes. Just as your deposits are insured with Florida Business Bank, FDIC insurance will continue at Seacoast Bank.


No. Until the customer account conversion is completed; Florida Business Bank customers should continue to utilize Florida Business Bank facilities for their banking needs.


Those same friendly faces who assist you today, your friends and trusted bank associates from Florida Business Bank, will be welcoming you and helping you through the transition to Seacoast at your local branch. They will continue to provide the same outstanding service you have come to expect.


Beginning Monday, March 21st, 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.* Learn more »

*Worldwide includes USA, United Kingdom, Canada, Australia and Mexico.


You can make cash and check deposits at any Seacoast Bank branch or ATM location starting on Monday, March 21st. You can also make check deposits using the Seacoast Mobile Banking app. Download the Seacoast Mobile Banking app from the Apple Store or Google Play Store. See our Funds Availability Policy on page 51of the welcome packet.


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 routing number 067005158.


  • For personal checking accounts, please refer to page 19 in the Welcome Packet to find out what product you will be moved to and an outline of details & benefits included with your new account.
  • For business checking accounts, please refer to page 29 in the Welcome Packet to find out what product you will be moved to and an outline of details & benefits included with your new account.

  • For personal savings accounts, please refer to page 20 in the Welcome Packet to find out what product you will be moved to and an outline of details & benefits included with your new account.
  • For business savings accounts, please refer to page 29 in the Welcome Packet to find out what product you will be moved to and an outline of details & benefits included with your new account.


Yes, to access online banking visit SeacoastBank.com. Look for the login area on the homepage in the middle section of the screen. Already enrolled? Look for an email with login credential information in late February.

Not enrolled? Self-enroll in Seacoast Online Banking starting March 14th.


Yes, you can access both your personal and business accounts by enrolling in Seacoast Bank Online Banking.


Existing Florida Business Bank Online Banking customers will receive an email with detailed information about their Login ID and password in late February.


Yes, when enrolling in Online Banking make sure to enroll in e-Statements, e-Notices and tax forms.


Seacoast Bank will make every effort to convert your existing payees into our Online Banking platform. Automated payments will need to be reestablished after you enroll in Seacoast Online Banking.


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.


In order to retain your current information, you will need to download it before Friday, March 18th at 5PM. Your transactions made on Friday, March 18th, may not be available when you reconnect, but these items will still be available on your statement.


You can contact our Treasury Management Operations Center at 888.669.4059. Our associates are familiar with all of our product solutions and services and are your best resource for information and support.


You can continue to make loan payments at the Florida Business Bank location and, starting Monday, March 21st, at any Seacoast Bank location. You may also mail loan payments to:

Seacoast Bank
Attn: Loan Operations
PO Box 9012
Stuart, Florida 34995-9012


Yes, your loan payment will continue to be automatically deducted from your account, and the payment will be reflected on your statement.


Yes, when enrolling in Online Banking, make sure to enroll in e-Statements, e-Notices and tax forms.


Yes, starting on Monday, March 21st at 6AM, you will be able to access your funds through our automated telephone banking system — FastLane at 888.669.4059.

Your new Seacoast account history will begin to build Monday, March 21st. If you need transaction history prior to this date, simply contact our Customer Service Center at 888.669.4059.


Yes, your current rental agreement will remain the same. At the time of your annual renewal, Seacoast’s fees and discounts will apply.


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, March 21st.


Yes, your deposit statement cycle date will remain the same. All savings account statements will be mailed quarterly, or more frequently.


Yes, Florida Business Bank will mail an interim statement for all deposit and loan accounts as of end of business on March 18th. Your deposit account statement will then resume on its regular statement cycle date with the new Seacoast statement layout.


Your Line of Credit statement will contain the same information, but will have a slightly different layout.


Seacoast will send the required 1098 and/or 1099 information for your 2022 tax reporting by January 31, 2023.


Interest from your last statement cycle through Sunday, March 20th, will be paid on your interim statement issued by Florida Business Bank. Seacoast Bank will accrue interest from March 21st going forward. Interest will be paid quarterly for savings accounts and monthly for checking and money market accounts.


Your certificate of deposit (CD) will continue to have the same rate, terms, and features until maturity. When your CD renews, it will be governed by the Seacoast Deposit Account Agreement. For more information, please refer to Seacoast's Deposit Account Agreement, section "Certificates of Deposit" on page 58 of the welcome packet. Your current CD will transition to Seacoast Bank the weekend of March 18, 2022.