[FL only] Seacoast Bank $600 Business Checking Bonus

Update 3/8/25: Deal is back until 12/31/25. Hat tip to reader Z

Update 1/10/24: Extended until 12/31/24.

Update 1/15/23: Extended until 12/31/23.

Update 10/14/22: Extended until December 31, 2022.

Update 8/29/22: Deal is back and valid until September 30, 2022.

Terms state ‘Offer valid for recipient only’, so might be targeted

Offer at a glance

  • Maximum bonus amount: $400/$600
  • Availability: FL
  • Direct deposit required: None
  • Additional requirements: Maintain a minimum average balance of $1,500 at 90 days
  • Hard/soft pull: Soft
  • Credit card funding: Unknown, possibly up to $1,000
  • Monthly fees: None
  • Early account termination fee: $30 if closed within 90 days
  • Household limit: None listed
  • Expiration date: June 30, 2022

The Offer

Direct link to offer

  • Seacoast Bank is offering a $400/$600 business checking bonus. Bonuses are as follows:
    • $400 when you open your first Business Checking account and deposit $5,000 and maintain that average balance for 90 days and complete 15 debit card purchases.
    • $600 when you open your first Business Checking account and deposit $10,000 and maintain that average balance for 90 days and complete 15 debit card purchases.

The Fine Print

  • Earn up to $600 for a new Seacoast Business Checking account meeting all requirements outlined below and ful filling the Small Business Visa Debit Card Offer as noted below. Limitedtime offer available April 1, 2022 through June 30, 2022.
  • Offer may be withdrawn at any time
  • Offer valid for recipient only.
  • Limited to one bonus per business relationship.
  • Business must have a current and active registration with the Florida Department of State
  • All bank account bonuses are treated as income/interest and as such you have to pay taxes on them

Avoiding Fees

Monthly Fees

Free Business Checking

Free Business Checking has no monthly service fee and no minimum daily balance requirement. You get 150 items per month, after which an additional item fee of $0.35 per item. There is a $3 monthly check image enclosure fee, unless you opt for e-statements or choose to not have check images included in your monthly printed statements.

Early Account Termination Fee

According to the fee schedule there is an early account termination fee of $30 if the account is closed within 90 days of opening.

Our Verdict

Bigger bonus than the regular $300 bonus, but requires a bigger deposit and this option might be targeted as well. If it turns out to be open to everybody, we will add this to our list of the best bank account bonuses.

Hat tip to reader snailrock

Useful posts regarding bank bonuses:
    William Charles
  • On March 8, 2025, 20:15
Tags: fl bank bonuses

View Comments (45)

  • can I open personal and business accounts both online? There is a branch close by but I do not like to visit branch unless I need to. Thanks.

  • I can't decide whether this bank is being tricky or incompetent:

    (1) One part of the bonus page says that the deposit has to be made within 15 days, but another part says 30 days.

    (2) More importantly, the terms state that you must "maintain an average balance of [$5k or $10k] or more over 90 days." But when does the 90 day count begin? If it begins at account opening, and you wait until later to deposit, you won't have the right average balance over 90 days unless you deposit more than $5k/$10k. But if the 90 day count begins at deposit, than it doesn't matter.

    • The whole bank is sketchy. They never know about promos. The requirement to be registered with the state is nonsense. I can open up an account with any big bank without that. A biz is a biz

    • They are a bit tricky and I tried this and somehow barely missed the average not sure exactly how but didn’t get it.

    • @guest_2019567 To play it safe, on my Seacoast biz checking churn last year I made the $10k deposit on the day I opened the account by writing myself a check.

  • Follow up, finally went to branch and successfully opened business checking after opening personal online. It was a pretty smooth experience opening the account but the process did take over an hour. The banker was a nice guy but he was definitely in no hurry. Used the code BIZ600.

  • Miami branch rep told me this business bonus is no longer available, unless targeted.

  • Hello folks.
    So, there is a $400 checking offer and a $600 bundle checking/savings offer through Facebook. The codes are CON400 and CON600.
    Has anyone tried or confirmed these?

  • I have a lot of recent Chex inquiries on my report. Chances I could be approved in branch?

    • They do pull Chex in branch. However, they are not sensitive to it. The determining factor in my experience is your history of accounts with them and when you received bonuses in the past. @guest_1845011

      • Good info, thank you. The branch is at least 45 minutes by car but I might take a field trip and see what happens. @guest_1361381

  • Banker said even if business checking was closed over a year ago, the personal was closed fairly recent and that disqualify from the business promo.

    • I got the same message. Never had business account with seacoast bank, personal account was closed in less than 1 year ago and banker email said that I would be ineligible for business bonus.

  • opened this without being targeted

    sole prop without DBA

    at first banker said can’t do as sole prop without DBA and without being registered to state. i said are u sure, a friend of mine did. he then called someone and said yes it’s true you can do as sole prop without DBA and signed me up

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