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Suncoast for Schools Rewards Check Card

Open a Suncoast Smart Checking Account Today! Free checking for you. Free money for local schools.

When you open a Smart Checking account at Suncoast Schools Federal Credit Union, you do something smart for yourself and have a chance to help local school kids at the same time.

Every time you make a purchase with the Suncoast for Schools Rewards Check Card, Suncoast donates two cents to the Suncoast Foundation to fund education-related initiatives in your local community. It doesn't cost you a thing, and you'll also receive ScoreCard® Rewards bonus points - plus all the other benefits of Suncoast Smart Checking.

The Suncoast for Schools Rewards Check Card is exactly the kind of service and innovation you'll only get with Suncoast, where smart people keep their money.


Apply today! Download PDF document. Requires Adobe Reader version 5.0 or higher. a Suncoast Checking Account Application now!

Switch your checking account to Suncoast today! Click here for the Suncoast Switch Kit.


The Suncoast for Schools Rewards check card looks like a credit card but works like a check. Use it to make purchases wherever Visa is accepted and the amount of the purchase is automatically deducted from your checking account. Use it as an ATM card to get fast, free access to your money with cash withdrawals at Suncoast ATMs, Publix Presto ATMs and more than 28,000 additional locations, thanks to Suncoast's participation in the national ATM network, CO-OP.

With the free Suncoast for Schools Rewards check card and Suncoast Smart Checking, you will receive:
  • ScoreCard® Rewards Bonus Points! - Every time you use the Suncoast for Schools Rewards check card for purchases, you earn one bonus point for every $3 in net purchases. Use your check card for all purchases and see how quickly the points add up! To redeem points and learn more, visit scorecardrewards.com *.

    * Scheduled maintenance on scorecardrewards.com will be the second and fourth Thursdays of each calendar month from approximately 11:30 p.m. to 1:00 a.m. Eastern time.


  • ATM Access to your Suncoast Accounts! - Your Suncoast for Schools Rewards check card is also an ATM card. Make up to $420 in withdrawals per day ($220 per day for the first six months following opening a new account), transfer funds between your accounts and make unlimited inquiries. You can also deposit cash or checks at designated ATMs.

    Free access at hundreds of Suncoast Owned ATMs, Publix Presto ATMs and thousands of CO-OP ATMs; click here for Suncoast ATM locations; click here for CO-OP ATM locations.
    Note for Non-Suncoast Owned ATMs: Withdrawals are free, inquiries will incur a charge.


  • Access to your Suncoast Accounts at Point-of-Sale (POS)! - Use your check card instead of cash or checks at supermarkets, restaurants, service stations, department stores and other places you shop to pay for goods and services. Your check card will be accepted wherever the Visa logo is displayed.


Other valuable features include:
  • No annual fees or finance charges
  • No ID required to use the card
  • If your card is ever lost or stolen, simply report the loss promptly and your money is protected by Visa's zero liability fraud coverage.*
  • Keep your transaction receipts and enter deposits and withdrawals into your checking register. A detailed description will appear on your monthly credit union statement or view transactions immediately on SunNet Online Banking and Bill Pay
  • Visa provides exchange rates on www.visa.com. Simply put in the date you would like, the country (US) and the country for which you would like an exchange rate.
    Please Note: The site allows for a bank fee to be added. There is not a Suncoast fee, place a zero in the field.
* Visa's zero liability policy for check cards does not apply to ATM transactions or to PIN transactions not processed by Visa.



Visa Check Card Dispute

A Visa Check Card Dispute occurs when a member and merchant cannot resolve an issue about a particular transaction. This does not apply to ATM nor anytime the PIN is used.

The merchant must follow certain regulations in order to accept Suncoast for Schools Rewards Check Cards. Therefore, Visa checks first to see if the merchant has complied with all regulations. If not, the Credit Union may be able to assist in resolving the dispute. Due to strict time limits imposed on disputing transactions, your dispute form and supporting documentation must be received within 60 days from the date of the statement on which the transaction in question appears.

If you have a dispute please follow these instructions:
  • Please print the Cardholder Dispute Form PDF document. Requires Adobe Reader version 5.0 or higher. and check the appropriate box. Must supply all additional information requested.
  • Signature- must be the signature of the cardholder.
  • Fax to: 813-664-0931 or
    Mail to: Suncoast Schools FCU
    Attn: Dispute Dept, RES001
    PO Box 11904
    Tampa Fl, 33680
  • Or Return to your local Service Center.


Report Lost & Stolen Cards

  • DEBIT/CheckCard/ATM - call 1-800-999-5887 option 1
  • DEBIT/CheckCard/ATM after hours - call 1-800-754-4128


Suncoast ATM Card

  • Cash withdrawals worldwide
  • Point-of-Sale (POS) capabilities at merchants - no charge from Suncoast for using your card for purchases
  • Free access at hundreds of Suncoast Owned ATMs, Publix Presto ATMs and thousands of CO-OP ATMs; click here for Suncoast ATM locations; click here for CO-OP ATM locations.
    Note for Non-Suncoast Owned ATMs: Withdrawals are free, inquiries will incur a charge.
  • Deposit capablities - immediate credit on most deposits up to $500.00 daily, pending review of deposit.
  • Access funds from checking, savings, or money market accounts
  • Check most recent ATM transactions and ATM deposits online using SunNet Online Banking and Bill Pay or calling 1-800-999-5887.
  • Dormant cards will be closed as a security precaution, please use your card at least once every six months


ATM PIN Changes

PIN Changes Can Now Be Performed At The ATM!

All Suncoast ATMs now have the capability to change the PIN used with either an ATM card or Suncoast for Schools Rewards check card.

The transaction to change the PIN is simple. Once you are at the ATM:
  • Insert or swipe your Suncoast ATM card or Suncoast for Schools Rewards check card.
  • Enter your current PIN.
  • Scroll through the screens, using the 'MORE SELECTIONS' key, until you reach the screen with 'PIN CHANGE' on it.
  • After choosing 'PIN CHANGE', follow the instructions on the screen.
  • For verification, a receipt will dispense, stating that the transaction was successful.
  • PIN Change complete!

If you do not know the PIN that came with the card, you will need to call in to the Call Center or visit the closest credit union office. A PIN will be ordered and mailed to you, and, when received, you will be able to use the 'PIN CHANGE' function at the ATM as often as you like!



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