Interest Checking Accounts | Sunstate Bank
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Interest Checking Account

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Earn While You Spend - A Smarter Way to Bank

Why settle for a basic checking account when you can earn interest on your balance? Sunstate Bank’s Interest Checking Account helps your money work just a little harder - while still giving you full access to your funds.

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Key Benefits

Earn Competitive, Tiered Interest

Start earning interest on balances of $1,000 or more. Higher balances earn even more.

Unlimited Check Writing & Debit Card Transactions

No caps, no restrictions. Use your money as you wish.

Free Online & Mobile Banking

Track balances, pay bills, and deposit checks from anywhere - 24/7.

Free Debit Card

Accepted worldwide and comes with free ATM access via NYCE, Presto! (Publix), and Chase networks.

Free ATM Withdrawals

No fees when using Sunstate, Chase, Publix, or NYCE ATMs nationwide.

Trilingual Support

Get help in English, Spanish, or Portuguese - we speak your language.


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Who Is This Account For?

If you:

  • Keep at least $1,000 in your account
  • Want to earn interest without locking your money into a savings account
  • Prefer the flexibility of a checking account with added growth potential
  • Still want unlimited transactions and access to your funds

Then this account was made for you.

FDIC Insured. Locally Trusted.

Your deposits are insured up to $250,000 through the FDIC, and your account is backed by a community bank voted Miami-Dade’s Favorite Bank for two years in a row.

Why Choose Sunstate?

  • Trusted in South Florida since 1999
  • Investment from J.P. Morgan Chase supporting minority-led institutions
  • 5-Star rated by BauerFinancial since 2016
  • Personalized customer service from real people - not robots

Account Details at a Glance

Feature Details
Minimum Opening Deposit $100
Monthly Fee $0 (when you maintain a minimum daily collected balance of $1,000, an average collected balance of $2,500 per statement cycle, or at least one electronic deposit of $500 or more)
ATM Access Free at Sunstate Bank, Publix (Presto!), Chase, and NYCE ATMs
Online & Mobile Banking Free, includes mobile check deposit
Check Writing / Debit Use Unlimited

Open Your Account Today

It only takes a few minutes to open your Interest Checking Account. Open an account online or visit one of our branches in Coral Gables, West Miami, or The Falls.

*For full account disclosures, please call or stop into one of our branches. Rate tier information available here. Rates and terms may vary and are subject to change. Fees may reduce earnings. Additional fees may apply.