Seacoast Bank Is Offering Up to $600 for New Business Checking Accounts — Here's How to Snag It

If you run a small business in Florida or Georgia and you're looking for a solid cash bonus, Seacoast Bank has a deal worth checking out. They're offering up to $600 when you open a new business checking account and meet a few straightforward requirements. The best part? There are two bonus tiers, so you can pick the one that fits your cash flow. Let's break down what you need to know.

Two Bonus Tiers: Pick Your Path

Seacoast Bank gives you two ways to earn. The bigger bonus requires a larger deposit and more transactions, but the smaller one is still generous. Here's the breakdown:

• Earn $600: Deposit $10,000 or more of new money within 15 days of account opening, maintain an average balance of $10,000 over 90 days, and make 15 qualifying electronic payments within 90 days.
• Earn $300: Deposit $5,000 or more of new money within 15 days, maintain an average balance of $5,000 over 90 days, and make 10 qualifying electronic payments within 90 days.

What Counts as a Qualifying Electronic Payment?

The bank defines qualifying electronic payments as debit card purchases, online bill payments, outgoing ACH transfers, and outgoing wire transfers. So if you already use your business checking for everyday expenses and paying vendors, you're likely halfway there already.

Just make sure you complete the required number within 90 days of opening the account. It's not as hard as it sounds — think of it as using your debit card for routine purchases and setting up a few automatic payments.

Who's Eligible?

This offer is for new business checking customers in Florida or Georgia. Your business must have an active registration with the Florida Department of State or the Georgia Secretary of State. If you already have a Seacoast business checking account, or if you closed one within the last 12 months, you're not eligible. Seacoast Bank associates and their businesses are also excluded.

Also, this offer doesn't apply to Premium Business Checking or Public Funds Checking accounts. And keep in mind that new accounts won't qualify until all required information is provided — so make sure you have your business documents ready.

Watch Out for Fees

The monthly maintenance fee is $10, but you can avoid it by keeping a $1,000 average monthly balance. That's pretty easy if you're parking $5,000 or $10,000 for the bonus anyway. There's also a $30 early account termination fee if you close the account within 90 days, so plan to keep it open at least that long.

Oh, and the bonus is considered interest income, so you'll get a 1099-INT at tax time. Factor that into your planning.

Bottom Line

• Seacoast Bank offers up to $600 for new business checking accounts in FL and GA.
• Choose between a $600 bonus ($10k deposit, 15 payments) or $300 bonus ($5k deposit, 10 payments).
• Monthly fee waived with $1,000 average balance; $30 early closure fee within 90 days.
• Offers expire 12/31/26 ($300) and 09/30/26 ($600) — apply soon.

Common Questions