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Switch to a Smart Checking at Suncoast


Suncoast free checking is really free! Many other financial institutions offer free checking, but when you look at the details and read the fine print you'll find that a service charge here and a service charge there does not equal free!

* One box per year.


Moving your checking account to Suncoast is easy - just follow our step by step instructions to help you switch over your account so you can take full advantage of the value and saving of our free checking account services.

Get Started
  • Open your new, free checking account at Suncoast. This account provides you with the Suncoast for Schools Rewards Check Card which also serves as your ATM card. You will also order new checks upon opening your account. Keep a record of your account number (printed on your checks & deposit slips) to be used on the switch forms.


  • Click here to download a Suncoast Checking Account Application.
Switch Transactions to Your New Account
  • Verify that all checks or automatic withdrawals have cleared from your previous account. These transactions might take a few weeks, so leave enough money in your previous account to cover them.


  • Destroy ATM/Debit Cards, deposit slips and checks from your previous account.


  • Change all your current direct deposits to Suncoast using our Direct Deposit Forms. Contact us if you need assistance with completing the forms.


  • Provide merchants who make automatic withdrawals (Automatic Withdrawal Checklist) , ACH or Check Card debits, with your new Suncoast account number and routing number (located on your voided check) or your new Suncoast for Schools Rewards Check Card number.


  • Cancel automated payment services, such as bill-paying by phone, or PC services, by contacting your previous financial institution. We have a variety of automated services designed for your convenience and we'll be happy to set them up for you.

Close Your Old Account
  • Verify that all outstanding transactions on your old account have cleared and direct deposits have been transferred. Once verified, notify your previous financial institution (Account Closing Request) to close your account and request a check for the balance.

Congratulations - You've made the move to Suncoast's free checking account!


Click here for a printable version of the checklist






For more information please call the Members Contact Center at 1-800-999-5887. Member Financial Representatives areavailable to help you in every way possible.