We Understand That With Change,
There Are Always Lots of Questions.

Here Are Some of the Most Commonly Asked Question and Answers.

Important dates and actions are marked with this symbol:
Frequently Asked Questions

Frequently Asked Questions

Who is Seacoast Bank?

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

Seacoast Bank is a third generation, family-influenced bank with over 900 associates and $8.3 billion in assets.

For more than 90 years, our commitment to customers remains the same and is summarized by our 4 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
When is the sale expected to close?
The sale is expected to close in the third quarter of 2021. The date of customer account conversion will be mutually determined as we approach the sale date. As we approach conversion, you will receive a welcome packet including details about your account and any additional banking options available to you.
How will customers benefit from the proposed merger?

The proposed merger will greatly benefit our customers and employees 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 1,100 Publix® ATMs
  • 50 Seacoast Bank Branches in 15 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
What should customers do right now?
You should continue banking as normal. Seacoast Bank and Legacy Bank of Florida teams are working together to make this transition as smooth as possible for you. We will be sending out detailed information regarding your account(s) in the near future.
Will customer account numbers and product types change?

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.

Are customers deposits FDIC insured?
Yes. Just as your deposits are insured with Legacy Bank of Florida, FDIC insurance will continue at Seacoast Bank.
Can customers start using Seacoast Bank offices now?
No. Until the merger is completed, Legacy Bank of Florida customers are not yet customers of Seacoast Bank.
Friendly Faces

Friendly Faces

What will happen to the people I know at Legacy Bank of Florida?
Those same friendly faces who assist you today, your friends and trusted bank associates from Legacy Bank of Florida, 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.
Using Your Seacoast Bank Accounts

Using Your Seacoast Bank Accounts

How do I avoid being charged a withdrawal fee at the ATM?

Seacoast Bank offers fee-free ATM withdrawals at all of our locations and fee-free ATM withdrawals at more than 1,100+ Publix® ATM locations1. You will need to agree to the fee at the time of withdrawal. This fee and the Seacoast Bank fee will be reimbursed to your account the next business day. Find an ATM near you »

1. You will be required to accept the fee on the Publix® ATM screen. This fee will be refunded on the following business day. You still receive unlimited transactions at Publix® ATMs for free, however your Publix® ATM Fee will be processed as a refund versus a waiver.

What options do I have for deposits?
You can make cash and check deposits at any Seacoast Bank branch or ATM location starting on Monday, August 9th. You can also make check deposits using our Personal or Business Mobile Banking app. Visit the Google Play or Apple Store and download the app today. See our Funds Availability Policy on page 51 of the transition guide.
I currently receive my paycheck via direct deposit, will anything change?
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.
Will I still be able to send money and make payments using Zelle®?
Yes, you can continue sending money and making payments with Zelle® by downloading the Zelle® app and adding your Seacoast Bank Visa® Debit Card to your Zelle® account. You may not see the Seacoast Bank name until after you enter your debit card number. (For personal checking accounts only.)

Bank Anytime. Anywhere


Online & Mobile Banking

Our Personal and Business Mobile Banking apps are fast, convenient and secure.

Digital Deposit

Through your Seacoast Bank mobile app, you can quickly and securely deposit checks using your smart device.

Seacoast Bank ATMs

Check balances, withdraw cash, and make deposits 24/7 at one of our convenient locations.
Find an ATM near you >

Publix® ATMs

Enjoy the convenience of one-stop shopping and banking. Get cash fee-free at 1,100+ Publix® ATMs.
Personal & Business Online Banking

Personal & Business Online Banking

I’m a big fan of Online Banking, does Seacoast offer this service?
Yes, to access online banking visit SeacoastBank.com. Already enrolled? Look for an email with login credential information in late July. Not enrolled? Self-enroll for Personal Online Banking and Business Online Banking starting August 2nd. See page 22 in the transition guide for more details.
Can I access my Personal and Business accounts through one online platform?
Yes, you can access both your personal and business accounts within Seacoast Business Online Banking.
Will my Online Banking user ID and password change?
Existing Legacy Bank of Florida Online Banking customers will receive an email with detailed information about their user ID and password in late July.
Can I receive my loan and deposit statements, e-notices and tax forms electronically?
Yes, when enrolling in Online Banking make sure to enroll in e-statements and e-notices.
Will Legacy Bank of Florida Bill Payment payees be available in Seacoast Bank’s Online Banking platform?
Yes, 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.
Can you explain the Online Banking Bill Pay process a little further?
Yes, when you pay a payee electronically, the funds are withdrawn from the account the day they are sent to the payee. Bill payments that are sent via check will be drawn on our bill pay vendor account. The funds are electronically withdrawn from your account the day the payment is sent to the payee.
Will Seacoast offer Photo Bill Pay through the Seacoast Mobile Banking App?
Customers can establish payees and pay bills through their Seacoast Mobile Banking App but we are unable to support the photo capture.
If I use Quicken® or Quickbooks™, will my current information still be available after the merger?
In order to retain your current information, you will need to download it before Friday, August 6th at 5 p.m. Your transactions made on Friday, August 6th, may not be available when you reconnect, but these items will still be available on your statement.
Who can I contact for Business Online Banking support?
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.
Online Bill Pay & Zelle

Online Bill Pay & Zelle

When is the last day I can access Legacy Bank Online Bill Pay?
You can continue to access Legacy Bank Online Bill Pay to view transactions and schedule bill payments through Sunday, August 1st.
When is the last day I can schedule bill payments to be delivered?
While you will not be able to access Online Bill Pay after August 1, 2021, you can schedule payments to be delivered up to Friday, August 6th by scheduling the payment prior to the August 1st cutoff.
What will happen to my bill payments scheduled to be delivered after August 6th?
All payments, including recurring payments, that are scheduled to occur after August 6th will be canceled. On August 2nd, you can begin scheduling bill payments using your Seacoast Online Banking to be sent on August 9th or later.
When is the last day I can send funds from my Legacy Bank account using the Zelle® app?
You can continue setting up payments from your Legacy Bank account using the Zelle® app through Sunday, August 1st and schedule payments to be delivered through Friday, August 6th.
When can I start sending money and making payments through Zelle® from my Seacoast Bank account?
Starting August 9th, you can send money and make payments through the Zelle® app by adding your Seacoast Bank Visa® Debit Card to your Zelle® account. Legacy Bank of Florida customers currently using Zelle® will simply need to update their debit card number in the Zelle® app. You may not see the Seacoast Bank name until after you enter your debit card number. (For personal checking accounts only.)
Loan Payments

Loan Payments

Where do I make loan payments?

You can continue to make loan payments at any Legacy Bank of Florida location and, starting Monday, August 9th, at any Seacoast location. You may also mail loan payments to:

Seacoast Bank
Attn: Loan Operations
PO Box 9012
Stuart, Florida 34995-9012
My loan payment is automatically deducted from my account. Will this service continue?
Yes, your loan payment will continue to be automatically deducted from your account, and the payment will be reflected on your statement.
Can I receive my statements electronically?
Yes, when enrolling in Online Banking, make sure to enroll in e-Statements, e-Notices and tax forms.

ATTENTION: Online Banking Users

Historical Account Statements maintained on Legacy Bank of Florida's Online Banking platform may not be available after Sunday, August 1st. It is recommended that you download and save for your record retention. See Page 15 in the transition guide for instructions.

FDIC Insurance

FDIC Insurance

Are my deposits still FDIC insured?
Yes, just as your deposits are insured at Legacy Bank of Florida, FDIC insurance will continue at Seacoast. For more information on this topic, see page 53.


Will I be able to access my funds via the automated phone system?

Yes, starting on Monday, August 9th at 6 a.m.,
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, August 9th. If you need transaction history prior to this date, simply contact our Customer Service Center at 888.669.4059.

Safe Deposit Box

Safe Deposit Box

Will my safe deposit box rental agreement remain the same?
Yes, your current rental agreement will remain the same. At the time of your annual renewal, Seacoast’s fees and discounts will apply.


Will my deposit account statement contain the same information?
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, August 9th.
Will my deposit account statement cycle date remain the same?
Yes, your deposit statement cycle date will remain the same. All savings account statements will be mailed quarterly, or more frequently.
Will I receive an interim statement?
Yes, Legacy Bank of Florida will mail an interim statement for all deposit and loan accounts as of end of business on August 9th. Your deposit account statement will then resume on its regular statement cycle date with the new Seacoast statement layout.
Will my Line of Credit statement look the same?
Your Line of Credit statement will contain the same information but will have a slightly different layout.
Who will send my 1098 and/or 1099 information at the end of 2021?
Seacoast will send the required 1098 and/or 1099 information for your 2021 tax reporting by
January 31, 2022.
How will interest be paid on my interest-bearing checking, savings, and money market accounts?
Interest from your last statement cycle through Sunday, August 8th, will be paid on your interim statement issued by Legacy Bank of Florida. Seacoast Bank will accrue interest from August 9th going forward. Interest will be paid quarterly for savings accounts and monthly for checking and money market accounts.
How will my interest be paid on my Certificate of Deposit (CD)?
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 transition guide. Your current CD will transition to Seacoast Bank the weekend of August 6, 2021.