Check out the recent Seacoast Bank promotions, bonuses, and offers here.
Update 3/10/25: The $600 checking and savings bonus and $600 business checking bonus has been extended through 12/31/25.
About Seacoast Bank Promotions
Since 1926 Seacoast Bank has helped people improve their lives and build their communities. Today their offices stretch from Orlando to Tampa and surrounding counties.
I will review the current Seacoast Bank promotions below.
Seacoast Bank $600 Checking & Savings Bonus
- What you’ll get: $600 bonus
- Account Type: Checking & Savings/Money Market account
- Availability: FL (Bank Locator)
- Direct Deposit Requirement: Yes (see what works)
- Credit Inquiry: Soft Pull
- ChexSystem: Unknown
- Credit Card Funding: Up to $1,000, (possibly a cash advance in branch)
- Monthly Fees: $21, avoidable
- Early Account Termination Fee: $15, 90 days
- Household Limit: One
(Expires 12/31/2025)
| BMO Smart Money Checking ($400 cash bonus*) | KeyBank Checking ($300 bonus) |
| Chase Private Client ($3,000 Bonus) | |
How To Earn Bonus
HOW TO EARN BONUSFINE PRINT
- To receive the $400 checking bonus:
- 1) Open a new Seacoast Classic, Senior Classic, Premium or Premium Elite Checking account AND
- 2) Have your direct deposit of $1,000 or more made to this account within 90 days of account opening.
- After you have completed all the above checking account requirements, we’ll deposit the bonus in your new account within 95 days of account opening.
- To receive the $200 savings bonus:
- 1) Open a new eligible Seacoast money market or savings account, which is subject to approval;
- 2) Deposit a total of $15,000 or more in new money into the new account within 10 business days of account opening; AND
- 3) Maintain at least a $15,000 balance for 90 days from the date of deposit. The new money cannot be funds currently maintained in a Seacoast Bank account.
- After you have completed all the above savings account requirements, we’ll deposit the bonus in your new account within 95 days of account opening.
- Offer(s) valid from 1/1/25-12/31/25. May be subject to change at any time without notice. Offer may not be combined with any other checking or savings bonus offers. Limit one CON600 offer per new checking or savings household. Valid for Florida residents only. You must be 18 years or older. All existing Seacoast Bank personal checking or savings customers, including those with accounts closed within the last twelve months, are not eligible for New Customer Bonus. Seacoast Bank associates are not eligible. Minimum $50 balance is required at account opening. Seacoast Bank reserves the right to cancel or modify this offer at any time without notice. In addition, the account must remain open and in good standing to be bonus eligible. All account openings are subject to approval. We reserve the right to determine the eligibility of customers for this offer. Bonuses are considered interest and may be reported on IRS Form 1099-INT.
- To receive the $400 checking bonus: 1) Open a new Seacoast Classic, Senior Classic, Premium or Premium Elite Checking account AND 2) Have your direct deposit of $1,000 or more made to this account within 90 days of account opening. Your direct deposit needs to be a recurring direct deposit of a paycheck, pension, Social Security or other regular monthly income electronically deposited by an employer or an outside agency. After you have completed all the above checking account requirements, we’ll deposit the bonus in your new account within 95 days of account opening. Please refer to the Deposit Account Agreement located at seacoastbank.com/agreements-and-disclosures for details regarding other fees that may apply.
- To receive the $200 savings bonus: 1) Open a new eligible Seacoast money market or savings account, which is subject to approval; 2) Deposit a total of $15,000 or more in new money into the new account within 10 business days of account opening; AND 3) Maintain at least a $15,000 balance for 90 days from the date of deposit. The new money cannot be funds currently maintained in a Seacoast Bank account. After you have completed all the above savings account requirements, we’ll deposit the bonus in your new account within 95 days of account opening.
- Interest rates along with the Annual Percentage Yield (APY) for all Seacoast money market and savings accounts will vary by product type account opened and account balance tiers. Rates subject to change at any time. Refer to the Truth in Savings disclosure for applicable rates related to your account opened. Transaction limitations apply. Fees may reduce earnings. Please refer to the Deposit Account Agreement located at seacoastbank.com/agreements-and-disclosures for details regarding fees that may apply.
- Offer Code: CON600
Seacoast Bank $250 or $600 Business Checking Bonus
When you open a business checking savings account and meet the requirements, you can earn up to a $600 bonus.
- What you’ll get: $250 or $600 bonus
- Account Type: Business Checking account
- Availability: FL
- Direct Deposit Requirement: None
- Credit Inquiry: Soft Pull
- ChexSystem: Unknown
- Credit Card Funding: Up to $1,000, (possibly a cash advance in branch)
- Monthly Fees: None
- Early Account Termination Fee: $30 if closed within 90 days
- Household Limit: None listed
(Expires 12/31/2025)
How To Earn Bonus
HOW TO EARN BONUSFINE PRINT
- To earn the $600 promotional bonus:
- Open a new Seacoast Business Checking account using promo code BIZ600
- Deposit $10,000 or more of new money in 15 days of account opening
- Maintain an average balance of $10,000 or more over 90 days
- Make 15 qualifying electronic payments within 90 days
- To earn the $250 promotional bonus:
- Open a new Seacoast Business Checking account using promo code BIZ250
- Deposit $5,000 or more of new money in 15 days of account opening
- Maintain an average balance of $5,000 or more over 90 days
- Make 10 qualifying electronic payments within 90 days
- Offer applies to Seacoast Business Checking products EXCLUDING Premium Business Checking and Public Funds Checking. New Business Checking accounts will not qualify for the promotional bonus offer until all information required to open the account is provided. Please consult your Seacoast Bank representative for a copy of the Seacoast Business Checking Schedule of Fees for other account fees, rates and information. Please review the following information to understand how to qualify for the bonus offers.
- Offer(s) valid from 1/1/25-12/31/25. May be subject to change at any time without notice. Offer may not be combined with any other checking bonus offers. Limit one bonus per new business checking relationship. Business must have a current and active registration with the Florida Department of State. All existing Seacoast Bank business checking customers, including those with accounts closed within the last twelve months, are not eligible for new business customer Bonus. This offer does not apply to Public Funds Checking. New business checking accounts will not qualify for the promotional bonus offer until all information required to open the account is provided. Please consult your Seacoast Bank representative for a copy of the Seacoast Business Checking Schedule of Fees for other account fees, rates and information. Fees may reduce earnings. Seacoast Bank reserves the right to cancel or modify this offer at any time without notice. In addition, the account must remain open and in good standing to be bonus eligible. All account openings are subject to approval. We reserve the right to determine the eligibility of customers for this offer.
- To Receive the Business Checking Bonus:
- Open a new Seacoast Business Checking or Business Checking Plus Checking account
- Make a minimum deposit of $10,000 within the first 30 days of account opening AND maintain an average balance of $10,000 or more over 90 days
- Make 15 qualifying electronic payments within 90 days of account opening. Electronic payments include debit card purchases, online bill pay, outgoing automated clearinghouse (ACH) and outgoing wires.
- The bonus reward(s) will be credited to the eligible account within 95 days of opening if the requirements noted above have been met. Bonuses are considered interest and may be reported on IRS Form 1099-INT.
- OFFER CODE: BIZ600
- Offer(s) valid from 1/1/25-12/31/25. May be subject to change at any time without notice. Offer may not be combined with any other checking bonus offers. Limit one bonus per new business checking relationship. Business must have a current and active registration with the Florida Department of State. All existing Seacoast Bank business checking customers, including those with accounts closed within the last twelve months, are not eligible for new business customer Bonus. This offer does not apply to Public Funds Checking. New business checking accounts will not qualify for the promotional bonus offer until all information required to open the account is provided. Please consult your Seacoast Bank representative for a copy of the Seacoast Business Checking Schedule of Fees for other account fees, rates and information.
- Fees may reduce earnings. Seacoast Bank reserves the right to cancel or modify this offer at any time without notice. In addition, the account must remain open and in good standing to be bonus eligible. All account openings are subject to approval. We reserve the right to determine the eligibility of customers for this offer.
- To Receive the Business Checking Bonus:
- Open a new Seacoast Business Checking or Business Checking Plus Checking account
- Make a minimum deposit of $5,000 within the first 30 days of account opening AND maintain an average balance of $5,000 or more over 90 days
- Make 10 qualifying electronic payments within 90 days of account opening. Electronic payments include debit card purchases, online bill pay, outgoing automated clearinghouse (ACH) and outgoing wires.
- The bonus reward(s) will be credited to the eligible account within 95 days of opening if the requirements noted above have been met. Bonuses are considered interest and may be reported on IRS Form 1099-INT.
- OFFER CODE: BIZ250
How To Waive Monthly Fees
- Banking Freestyle Checking: $0 monthly fees with e-statements AND receive one direct deposit of $250 or more per statement cycle. OR Choose e-statements AND make 7 or more debit card purchases per statement cycle.
- Classic Checking: $0 Monthly Maintenance Fee When You Meet Any of the Following Criteria: Keep a minimum daily balance of $1,000. Keep an average monthly balance of $2,500. Keep a $5,000 minimum daily balance combined with savings, money market, CD or IRA. Maintain a consumer loan or line of credit.
- Banking Freestyle Student Checking: We give you three ways to qualify for $0 monthly fees: Primary signer meets age requirement and opts to receive e-Statements. Opt to receive e-Statements and have one direct deposit of $250 or more per month. Opt to receive e-Statements and perform 7 debit card purchases per month.
- Senior Classic Checking: $0 Monthly Maintenance Fee When You Meet at Least One of the Following Criteria: Have one direct deposit of $250 or more per month. Maintain a minimum daily balance of $750. Maintain a minimum monthly balance of $1,500. Maintain a minimum daily combined balance of $5,000 in Savings, Money Market, CD or IRA. Maintain a consumer loan or line of credit.
- Premium Checking: $0 Monthly Maintenance Fee When You Meet Any of the Following Criteria: Maintain a minimum daily balance of $5,000. Maintain a minimum monthly average balance of $7,500. Maintain a minimum daily combined balance of $15,000 in Savings, Money Market, CD or IRA. Maintain a Trust relationship with Seacoast Wealth Management. Maintain a consumer or commercial loan or line of credit.
- Premium Elite Checking: $0 Monthly Maintenance Fee When You Meet Any of the Following Criteria: Maintain a minimum average monthly combined balance of $75,000 in personal deposits excluding time deposits. Maintain a Trust relationship with Seacoast Wealth Management. Maintain Brokerage relationship with Seacoast Investment Services.
- Opportunity Checking: $15 Monthly Maintenance Fee
- Business Checking: $0, when you maintain a $1,000 average monthly balance
- Business Checking Plus: $0, when you Maintain a $2,500 Minimum Daily Balance OR Maintain a $5,000 Average Monthly Balance OR Perform at Least 15 Debit Card Transactions (Not Including ATM Transactions) per Statement Cycle
- Premium Business Checking: $15 monthly maintenance fee, waived with when you maintain a $1,500 Minimum Daily Balance
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Bottom Line
If you are eligible and meet all the requirements, this is a very generous bonus that I recommend you check out at Seacoast Bank. Additionally, this triggers a soft pull, meaning your credit score won’t be harmed.
Compare Seacoast Bank Promotions with other bank bonuses from banks like Huntington, HSBC, Chase, TD, Bank of America, Citi, Wells Fargo, and more!
*Check back on this page for updated Seacoast Bank promotions, bonuses, and offers.
More important in choosing a bank than financial incentives is trust. My corporation paid Seacoast Bank on a Line of Credit faithfully and timely during a period of almost Four years. I trusted the bank to be fair with me. Instead, the Small Business Unit seems to be presently more than nervous. They are in panic! Seacoast Bank sent communications that they either wanted monthly payments to triple to $ 757, or $39,000 immediately. I had a problem with extreme illness. I told them, and showed them documentation. Their reaction was not to discuss with me what payments I am able to make, but with almost no notice send a Demand Letter threatening legal action if payment is not made in full. If a bank behaves that way, no financial incentives can make dealing with them worthwhile. And, banks who change from passively accepting payments for years to extreme aggressiveness may be showing indications of severe financial problems which will come out soon. Banks do not usually change their behavior in that way unless something is very wrong internally.
Thanks Tom! We appreciate your help! The errors have been fixed
This bonus is expired. The page that the offer link lands on clearly states: “THE POSITIVELY SIMPLE WAY TO BANK ANYWHERE, ANYTIME Freestyle Checking $200* Bonus! (NOW EXPIRED)” Therefore, please remove this bonus from you bonuses for May 2016 page.
Promo has expired.
Their online application site says its down.
What does the CC funding description post as? Citi has denied points in the past due to the purchase being from a financial institution.
Thanks Jeff. It has been updated.
it’s a $50 minimum opening deposit
Got my bonus yesterday. Account opened 10/27, payroll in $500 on 11/13 and last DC transaction (15 needed) was 12/7, pretty fast!