Personal Checking Accounts | Sunstate Bank
Personal
Personal

Personal Checking Account

Main

Simple. Secure. Ready for Your Everyday Life.

Sunstate Bank's Personal Checking Account is built for convenience and freedom - everything you need for your daily banking, with none of the fuss.

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Key Benefits

Unlimited Check Writing & Debit Card Transactions

Write as many checks and swipe as many times as you need - no limits.

Free Online Banking & Bill Pay

Pay your bills, check balances, and track your spending anytime, anywhere.

Free Mobile Banking App

Deposit checks, move money, and stay in control - right from your phone.

Free Debit Card Issued Instantly

Accepted worldwide, and comes with ATM access through Sunstate Bank and Chase, Presto! & NYCE ATM Network.

No Hidden Fees

$25 is all you need to get started. No monthly fees when you maintain a minimum balance or perform one eligible electronic transaction.


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Is This the Right Account for Me?

If you:

  • Want a simple checking account for everyday use
  • Prefer digital banking on your phone or computer
  • Need a debit card with global access
  • Don’t want to worry about per-transaction fees

Then yes - this account is a perfect fit.

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Open Your Account in Minutes

You can open your account online or at any of our local branches in Coral Gables, West Miami, and The Falls.

Questions? Our team speaks English, Spanish, and Portuguese, and we’re here to help - by phone or in person.

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Your Money is Safe

As a Member FDIC institution, your deposits are insured up to $250,000. We take your security and privacy seriously, giving you peace of mind every step of the way.

Why Bank with Sunstate?

  • Voted Miami-Dade’s Favorite Bank - 2023 & 2024 Gold Winner (Miami Herald)
  • Backed by a J.P. Morgan Chase investment supporting community banking
  • Serving South Florida since 1999 with local, personal service

Account Details at a Glance

Feature Details
Minimum Opening Deposit $25
Monthly Fee $0 (when you maintain a minimum daily collected balance of $1,000, an average collected balance of $1,500 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, with mobile check deposit
Debit Card Free, accepted worldwide

Ready to Get Started?

Open an account online or visit one of our branches - we'll be happy to help you in person.

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