(FL, GA) Seacoast Bank $400 Checking + $200 Savings

Update 7/18/26: Also available in GA.

Update 1/6/26: Extends through 12/31/26

Update 8/29/25: Offer back through 12/31/25. Hats off to him Mass mass

Update 7/9/24: Bonus now $600. There is target language but some bankers enforce it and others don’t mark it YMMV.

Update 7/8/24: The deal is back, but only $300, better to wait for a bigger bonus.

Update 5/14/23: Extends through 12/31/23.

Update 2/13/23: The deal is back in this connection and valid through 5/11/23. Hat tip to the reader JBoi

Update 2/12/22: Extended until March 31, 2022.

Update 10/16/21: Extends through 12/31/21.

Update 9/10/21: Deal reverts to $350/$150 through 9/30/21.

Update 1/15/21: Offer is back and valid through 3/31/21. Hat tip to the reader Austin A.

Update 12/6/20: The deal is now $250 + $150 (was $350 + $150), but can be opened online. Hat tip to the reader Parlog

Offer at a glance

• Maximum bonus amount: 400 dollars
• Availability: Only in branches, all branches are in FL (Branch locations)
• Direct deposit required: Yes, $500+
• Additional requirements: See below
• Hard/soft pull: Soft
• ChexSystems: Unknown
• Credit card financing: Preferably up to $1,000but it is likely to be a cash advance at the branch Again up to $500 per account
• Monthly fees: $21, avoidable
• Early account closure fee: $15, 90 days
• Family boundary: A
• Expiration date: October 31, 2019 December 31, 2019 April 30, 2020 September 30, 2020 December 31, 2020 September 30, 2021 May 11, 2023

Offers

Direct link to the offer | New connection

• Seacoast Bank offers up to $500 in bonuses when you open new accounts with promo code CON600. Bonuses and requirements are as follows:
  • $400 bonus when you open a Seacoast Classic, Senior Classic, Premium or Premium Elite checking account and:
    • Deposit $50 or more at account opening
    • Have a direct deposit of $1,000 or more within 60 days of account opening
  • $200 bonus when you open a new Seacoast Savings Account and:
    • Deposit $15,000 or more in new money within 10 business days of account opening
    • Maintain a balance of $15,000 for 90 days from the date of deposit

Fine Press

• Bonus/Account Information: Offer valid 15.7.2020-30.9.2020. Account(s) must be opened in person at a branch to receive bonus.
• Checkout offer not available to existing Seacoast checking customers.
• Savings offer not available to existing Seacoast or Money Market savings customers.
• Both offers are not available to fiduciary account holders, or those whose accounts have been closed within 90 days or are closed with a negative balance.
• Offer valid only to recipient named and addressed in this mailer.
• To claim the $350 checking bonus: 1) Open a new Seacoast Premium Checking account, subject to approval; 2) Deposit $50 or more at account opening; AND 3) Make your direct deposit of $500 or more into this account within 60 days of account opening. Your direct deposit must be an electronic deposit of your salary, pension, or government benefits (such as Social Security) from your employer or government. Once you have completed all of the above verification requirements, we will deposit the bonus into your new account within 65 days of account opening. As of May 22, 2020, the Annual Percentage Yield (APY) for Seacoast Bank Premium Checking accounts is 0.01%.
• To receive the $150 savings bonus: 1) Open a new Seacoast Savings Account, subject to approval; 2) Deposit a total of $15,000 or more in new money into the new savings account within 10 business days of opening the account; AND 3) Maintain at least a balance of $15,000 for 90 days from the date of deposit. The new money cannot be funds held by Seacoast. Once you’ve met all of the above savings requirements, we’ll deposit the bonus into your new account within 95 business days of account opening. As of May 22, 2020, the APY for Coast Savings Accounts is 0.01%. Additionally, fees can reduce earnings in the account. Fees may change at any time. You can only receive one new checking bonus and one new savings account opening bonus each calendar year and only one bonus per account per household. Bonuses are considered interest and can be reported on IRS Form 1099-INT.

Avoidance of fees

Monthly fees

Monthly premium control fee $21

Premium Control has a monthly fee of $21, which is waived if you do any of the following:

• Option #1: Maintain a minimum daily balance of $5,000; OR,
• Option #2: Maintain a minimum average balance of $7,500 or more in your checking account; OR,
• Option #3: Maintain a minimum combined daily balance of $15,000 or more in Savings, Money Market, CD or IRA; OR,
• Option #4: Maintain a relationship of trust with Seacoast Wealth Management; OR,
• Option #5: Take out a consumer or commercial loan or line of credit; OR,
• Option #6: Keeping the Seacoast Home Mortgage.

Savings $15 Quarterly Fee

The savings account has a fee of $15 per quarter, this is not waived if you have a minimum daily balance of $500.

Early account termination fee

According to fee schedule there is an early account termination fee of $15 if the account is closed within 90 days of opening.

Our verdict

I wasn’t able to determine what the rate offered on the savings account is, but I suspect it’s close to 0%. That said, this bonus is still worth doing if you live near a branch, unless you have $15,000 in cash you can always just focus on the checking bonus and leave the smaller savings bonus alone. We will add this to the our list of the best checking account bonuses.

Hat tip to reader Craig J

Useful posts about bank bonuses:

Post History:

• Update 10/11/20: The deal has been extended through December 31, 2020.
• Update 7/27/20: Offer is back and valid through 9/30/2020. It contains language that says “Offer valid only to recipient named and addressed in this mailer.” but you should be able to find out if you qualify when you open the account. Hat tip to the reader Churnoso
• Update 1/30/20: Offer is back and valid through 4/30/2020. Hat tip to the reader Churnoso