Basic Checking Account – No Minimum Deposit | Sunstate Bank Florida
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Basic Checking Account

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A Simple, Safe Start to Better Banking

Everyone deserves access to safe, reliable banking. Whether you’re just getting started, rebuilding your finances, or looking for a no-fuss checking option, Sunstate Bank’s Basic Checking Account is designed with your needs in mind.

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Key Benefits

No Minimum Deposit to Open

Start banking without needing hundreds of dollars upfront.

Free Online & Mobile Banking

View balances, transfer money, pay bills, and deposit checks - anytime, anywhere.

Free Debit Card Issued Instantly

Accepted globally, and usable at 15,000+ Chase ATMs, Publix Presto! machines, and NYCE network ATMs.

FDIC Insured

Your money is protected up to $250,000 with Sunstate Bank, a federally insured institution.

Sole Ownership at 16

Open your own checking account at 16 - no joint owner required.


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Who Is This Account For?

This account is ideal for:

  • First-time bank account holders
  • Students or young professionals
  • Individuals re-entering the banking system
  • Anyone seeking a basic, low-barrier checking solution

It’s also Bank On certified, meaning it meets national standards for affordable, transparent banking access.

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What Makes It “Basic”?

This account covers all the essentials - without hidden fees or complex requirements. It's perfect for those who want:

  • A safe place to deposit money
  • Free access to online tools and debit card use
  • No pressure to maintain a high balance
  • Simplicity and peace of mind

Transparency You Can Trust

No gimmicks. No hidden charges. Just a safe, supportive way to manage your money.

A Trusted Community Bank

  • Serving South Florida since 1999
  • Named Miami-Dade’s Favorite Bank two years in a row
  • Backed by a J.P. Morgan Chase investment to support inclusion and community banking
  • 5-star rated by BauerFinancial since 2016

Account Details at a Glance

Feature Details
Minimum Opening Deposit $0
Overdraft Fees None (optional overdraft protection available)
ATM Access Free at Sunstate Bank, Publix (Presto!), Chase, and NYCE ATMs
 Mobile Banking Free, includes mobile check deposit
Language Support English, Spanish, Portuguese
Eligibility U.S. residents with valid ID; international clients may inquire about alternatives

How to Open

Opening your account is quick and easy. Open an account online or visit one of our branches in Coral Gables, West Miami, or The Falls. Our team is ready to help - in English, Spanish, or Portuguese.

*For full account disclosures, please call or stop into one of our branches. Additional fees may apply.