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.

  Indicates Important Dates and Actions


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 in the Hillsborough/Pinellas County area, it is the #2 Florida-based bank in Palm Beach County, the #1 Florida-based bank in Orlando, the #1 Florida-based bank in the Port St. Lucie/Treasure Coast area, and is looking forward to making Sarasota/Manatee its next great market.

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

The merger is closed in January 2022. The customer account conversion will take place in May 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 employees with the added convenience of more branches, more ATMs, and a wider array of financial solutions, including Wealth Management 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*
  • 55 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 Sabal Palm 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 Sabal Palm Bank, FDIC insurance will continue at Seacoast Bank. For more information on this topic, see page 53 in the Welcome Packet.

No. Until the customer account conversion is completed, Sabal Palm Bank customers should continue to utilize Sabal Palm Bank facilities for their banking needs.

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

Beginning Monday, May 9th, 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 will be required to accept the fee on the Allpoint® ATM screen. This fee will be refunded on the following business day. You still receive unlimited transactions at Allpoint® ATMs for free, however your Allpoint® ATM Fee will be processed as a refund versus a waiver.

You can make cash and check deposits at any Seacoast Bank branch or ATM location starting on Monday, May 9th. 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 Bank routing number 067005158.

  • For personal checking accounts, please refer to page 18-19 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 28 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 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 on May 2nd.

Not enrolled? Self-enroll in Seacoast Online Banking starting May 2nd.

Yes, you can access both your personal and business accounts by enrolling in Seacoast Bank Online Banking.
See page 22 in the Welcome Packet on how to enroll in Seacoast Bank Personal Online Banking.
See page 31 in the Welcome Packet on how to enroll in Seacoast Bank Business Online Banking.

Existing Sabal Palm Bank Online Banking customers will receive an email with detailed information about their user ID and password in late April.

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 Bank 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.

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.

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 are available below.

The conversion instructions reference two Action Dates. Please use the following dates:

  • 1st Action Date: Before 7 PM on Friday, May 6th, a data file backup and a final transaction download should be completed. Please make sure to complete the final download before this date since transaction history might not be available after the transition.
  • 2nd Action Date: On Monday, May 9th, complete the remaining steps on the conversion instructions. You will complete the deactivate/reactivate of your online banking connection to ensure that you get your current Quicken or QuickBooks accounts set up with the new connection.

Conversion Instructions:

Intuit aggregation services may be interrupted for up to 3-5 business days. Users are encouraged to download a QFX/QBO file during this outage.

The following services may not work during the outage:

  • Quicken Win/Mac Express Web Connect
  • QuickBooks Online Express Web Connect
  • Mint

Please carefully review your downloaded transactions after completing the migration instructions to ensure no transactions were duplicated or missed on the register.

If you have any questions, please contact us at 888.669.4059

In order to retain your current information, you will need to download it before Friday, May 6th at 7PM. Your transactions made on Friday, May 6th, 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.

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 access and entitlements.

  • Create users
  • Manage users
  • Remove users
  • Assign permissions
  • Assign transaction limits

*Seacoast Bank will make every effort to convert your account(s) and services without disruption over the weekend of May 7, 2022. We apologize for any inconvenience should service disruption occur. Feel free to reach out to our Customer Service Center at 888.669.4059 during the hours of Mon-Fri 7AM - 10PM and Sat 8:30AM - 5PM.

You can continue to make loan payments at any Sabal Palm Bank location and, starting Monday, May 9th, 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, May 9th at 6AM, you will be able to access your funds through our automated telephone banking system — FastLane at 888.669.4059.

Your new Seacoast Bank account history will begin to build Monday, May 9th. 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, May 9th.

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

Yes, Sabal Palm Bank will mail an interim statement for all deposit and loan accounts as of end of business on May 6th. Your deposit account statement will then resume on its regular statement cycle date with the new Seacoast Bank statement layout.

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

Seacoast Bank 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, May 8th, will be paid on your interim statement issued by Sabal Palm Bank. Seacoast Bank will accrue interest from May 9th going forward. Interest will be paid quarterly for savings accounts and monthly for checking and money market accounts.

After May 6, 2022, Seacoast Bank will pay interest on your next scheduled due date and by your normal method of payment.