Suncoast Credit Union

Terrible upgrade.......more of a step back instead of forward. whoever came up with this new ebill needs to be replaced.......

Terrible new bill pay system, had everything automatic and they didn't even tell me that all external bank account transfers would be stripped and unscheduled, and now external transfers take 4-5 days to come in!!! Back to year 1997 times! Don't walk RUN from this bank!

As far as the employees that I talk to, I have no complaints. This complaint is about their new current bill system that was rolled out in March. This was a horrible upgrade. I needed to change all my vendor names, and I was using nicknames for easier following. The way they sort the names, I couldn't find my bill to vendors. We used to just choose the date to send the payment, then add the amount and click pay button, now with this new system, you need to choose the date, add the amount, choose pay the amount pop-up, which brings you to a new screen for you to confirm your payment, then click pay. Payment shows successful, then you have to click the back button to pay another vendor (4 to 5 additional steps). Too time consuming. The biggest issue of all of this, is now the payment shows in your checking as "withdrawal - home banking bill payment." It no longer shows who you actually paid or confirms that payment. I called Suncoast because I thought my account was hacked. Who approve this and did they do any beta testing with actual customers? This new system is a whole new level of poor decision-making.

4/8/26 served by Susanne Chung at Daniel’s parkway center. Extremely helpful and pleasant. Great service!

I can speak for personal financing as well as holding a business account with Suncoast, and this review is specifically to help those looking to open a BUSINESS account with Suncoast.

• ⁠Personal Financing: I’ve financed two vehicles with Suncoast both pre and post pandemic. In 2017 or 2018, I financed a 2012 Toyota Corolla 72 months with 2% interest. It was my first time opening an account with Suncoast, and getting set up was a breeze. I opened up a checking account with $5-$10, and I had good (not “very good”; I had just graduated high school) credit, no co-sign. One 30-minute sit-down meeting with a branch rep, and I walked out of there with a check to purchase my car. The low payments and interest allowed me to pay the whole thing off in about 4 years. 5/5 star experience all around.
• ⁠Personal Financing: In late 2020 or early 2021, I financed a cargo van I was using for my freelance business. I was able to secure another 72-month, 2% interest loan without a co-sign. Another 30-minute sit down with a different branch rep and the experience was just as smooth as the first. 5/5 star experience.
• ⁠Business BANKING: In mid 2020, I officially established my business and opened a business checking and savings account with Suncoast. At the time, it made the most sense because Suncoast has extremely low requirements for business accounts: no monthly fees, no minimum transaction/purchase requirements, no need to open a line of business credit or anything… very low barrier of entry. But over the past 5+ years, I’ve learned you get what you pay for in a business account. The first grief I have is the transaction history: 90 days. What is that? I can only look at 1Q-worth of transactions in my history without having to download bank statements?? As far as monthly statements go, you only get 4 years. So you actually have to download bank statements regularly if you plan on looking back 4 years or more. Second grief (and probably greatest, for me) is the way they handle external transactions. They outsource this service to third-party vendors. The service they used to use from when I established my business account until just recently was extremely clunky and especially buggy on mobile. For years, I was paying my contractors on a blank phone screen; I memorized where the fields were on the screen and tapped white space to pull up the keyboard to input the details, and had to check the history/activity screen to make sure I got it right. This particular third-party service they used also held transaction history for 90 days, and even if you filled out the “Memo/Notes” section, the email confirmation you’d receive wouldn’t include this detail. So keeping track of which contractor I paid and what I paid them for was an absolute pain. I held onto hope that they’d sort out the bugs and get it figured out after submitting complaints… I guess they finally got the message recently, because they finally switched services this year! …Except with absolutely no notice to their business account holders. I logged into my Suncoast account recently to find that not only do I have NO history of external payments to my contractors, but I also no longer have the ability to my contractors at all! I called a Suncoast rep to figure out what the deal is. The response I received was along the lines of, “yeah, we just switched providers for external transfers and we were unaware that it’d have this effect on business accounts… but we’re working on a solution!” I asked, “do you have any idea when this will be resolved?” Of course, the answer was no. I said, “I know you aren’t personally responsible for this, but if you could pass the word along: it would’ve been very helpful for all of your business account holders to be notified that this function was receiving a significant overhaul. And subsequently, it would’ve been nice once the problem was identified, to have it sorted before the changes took place on business accounts.” The response I received was “yeah, it would’ve been nice…” no indication that the complaint would be escalated. All of these factors have been a severe hindrance to my business operations, so I’m willing to give THIS aspect of banking with Suncoast a 1/5 star rating

My only dealings with this bank is with an auto loan. It has been a horrendous experience since the day I signed up. You have to jump through so many hoops just to make a car payment if you don't bank with them. I started out having to make external transfers which, annoying, but fine. Took 24 hours. Randomly, I set up the transfer, now it takes 7 business days for said transfer to go through from my actual bank to this bank just so I can transfer it again to the loan. Fine, annoying but I worked with it as well as I could and had a few days or 2 day late payments because of the transfer time. This month, I log in to do the usual. OH! WHAT?! ANOTHER HOOP YOU SAY?
This one even worse. Now you want my email address and I have to CALL during business hours when I'm usually at work too? Ok, cool. Great. Now you can spam me with more useless junk I have no interest in. Finally get to call in and give my email after the employee struggled to FIND my account cause my phone number apparently doesn't exist and I don't have a ember card" since I don't bank with Suncoast. FINALLY get my account found and email added (then immediately blocked Suncoast on it so I don't get spam).
Get told there's another way to make payments with my debit card from my actual bank. Still a pain to do. Car loans with other banks and loan centers have been so much easier and user friendly to those who DON'T WANT TO BANK WITH THEM. Hoping to figure out how to refinance or move this loan to another bank. I don't know of I can do this for another 6 years.

One can no longer get a printable version of documents since the billing update. Suncoast is slowly declining in customer service and their computer updates are causing client issues like this. I was on line with them and they said it had nothing to do with their update. Funny how my wife's phone and mine have the same issue when trying to print statements. Their tech dept had no solutions and said they were having no issues since the update. Now they announce a merger? Sheesh. I hate leaving an institution Ive been with since the 80s. Dont go there.

I have been with a credit union since 1970. The level of service is becoming very poor, only because they do not hire enough employees to handle their membership. The employees I have encountered have always been very nice, friendly, and doing the best they can. It seems the upper management does not care about customer satisfaction ratings. In fact, they provide no outlets for customers to give feedback. The current bill pay system that they just rolled out yesterday is a fiasco. It is very hard to use. Instead of completing a transaction in one window, it now takes four to five extra steps. Instead of showing who you paid, it just says "withdrawal - home banking bill payment." It no longer shows who you actually paid or confirms that payment. This is now a whole new level of poor decision-making.

I would like to express my sincere appreciation for Caroline Escobar, Member Advocate at Suncoast Credit Union located in Brooksville. Caroline consistently demonstrates professionalism, kindness, and a genuine commitment to helping members with their financial needs.

Her welcoming attitude and willingness to go the extra mile make every interaction a positive experience. She takes the time to listen, explain information clearly, and ensure that members feel valued and supported. Caroline’s patience and dedication truly reflect the high standard of customer service that Suncoast Credit Union is known for, a financial institution serving communities across Florida with a strong focus on member service and community support.

It is employees like Caroline who make a difference and leave a lasting impression on those they serve. Her commitment to excellence and her caring approach are greatly appreciated. Thank you, Caroline, for your outstanding service and for representing your organization with such professionalism and integrity.

Best loan rates available... under 12%...

They are terrible. Since August, I have had trouble logging in by phone to get any account information. Every time I try, it sends me to customer service. I don't know how many temporary passcodes we have tried. I'm just really sick of this.

I am working with a client who has a business line of credit with Sun Coast Credit Union. Sun Coast has placed a blanket UCC lien on all of this client's equipment. The client wants to trade in a unit for a new one, and Sun Coast will not release the UCC, preventing them from acquiring a more productive piece of equipment to expand their business. In my opinion, Sun Coast is against business growth. I hope this mentality begins to affect their bottom line. I have three current car loans with them, and I would rather pay more just to avoid dealing with them and will.

Mi esposo lleva más de un mes esperando que le envíen una nueva tarjeta de crédito porque la anterior fue bloqueada por supuesto fraude. Las personas de atención al cliente nunca anotan la dirección ni el apartamento correctamente y todavía no le han enviado la tarjeta. Por favor, que alguien se ponga en contacto conmigo porque hemos tenido experiencias muy malas con este banco.

I sent Kathleen Marie Douglass, a 36-year-old from the Lakeland, Florida branch, some money, and she has not returned it. I do not wish to discuss the details here. I requested a refund, but she has not complied. This reflects poorly on Sun Coast Credit Union as a business. She has acted dishonestly by keeping money that was not intended for her, which she has refused to return. I would not trust her at all; if she is willing to take money from me, she might do the same with Suncoast Credit Union or other clients.

Today, I had the good fortune of meeting with Laura Williams at the Suncoast Credit Union in Estero, FL. I was inquiring about the possibility of getting a lower interest rate for my auto loan. Laura was incredibly helpful and pleasant, walking me through the entire process and making sure I had a full understanding of what ended up as huge savings for me over the course of my loan. Laura is awesome and represents Suncoast very well. By the way, I am a retired Lee Schools employee and have been a member for decades.