Suncoast Credit Union Reviews: 271 User Ratings (2024)

Suncoast Credit Union began in 1934 when a handful of local educators founded Hillsborough County Teachers Credit Union. Throughout the years, they have grown and expanded their membership to include anyone who lives, works, attends school or worships in the Florida counties they serve. They are proud to be the largest credit union in... show more

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Suncoast Credit Union Reviews

5

46%

4

13%

3

6%

2

9%

1

25%

3.5

271 reviews

271 reviews

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muzejazz

@muzejazz

1 Star Rating

Deplorable customer phone service. I received a text saying I owed them $10, right after paying off my credit card in full. The recorded prompts indicated there was a six-minute wait. I hung up 23 minutes later. Even worse than the worst group of dishonest people!

Product: Suncoast Credit Union Credit Cards

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Debra Pelner

@debrapelner

1 Star Rating

Would be zero if there was one. If I don't get things cleared up tomorrow, I am calling an attorney. I have never received such a big runaround by so many people; they messed up opening our account, and now I can't even look at it. I'm getting out of here as soon as possible.

Product: Suncoast Credit Union Credit Cards

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Kathy Dahn

@kathy1281967

5 Star Rating

Best Bank ever. Been with them for almost 10 years, I think. I got a car loan without any issues. Now trying to get a personal loan to pay off a car loan and credit card. Never had an issue with any employees when I went to the branch; everyone is very nice and helpful. LOVE MY BANK ❤️

Product: Suncoast Credit Union Checking

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Rob Herrin

@Rob_j_herrin

1 Star Rating

They limit the amount of money you can transfer per week to anyone. If you need to transfer more, the only option to surpass that limit is a wire transfer, which incurs a fee. Thus, they restrict access to your money and the only solution they offer includes a fee. This is not a good business practice—to limit a customer to only a fee-driven solution.

Product: Suncoast Credit Union Checking

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Hugo ibel Perez Lopez

@hugoibel91

1 Star Rating

Two years at this bank and they can only offer me a credit card with a $1000 limit and no personal loan. I do not recommend it to anyone; this is the worst bank for not providing financial assistance. I would not suggest it as a first option.

Product: Suncoast Credit Union Credit Cards

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estradaalfonsojuancarlos

@estradaalfonsojuancarlos

5 Star Rating

Hola, el viernes pasado visité el banco Suncoast Credit Union ubicado en Hanco*ck y Del Prado para cambiar mi tarjeta de crédito y fui atendido por Rose Chavez. Ella solucionó mi problema y, a la vez, me explicó todo sobre cómo debo actuar para no tener problemas en el futuro con mis tarjetas. Gracias a su información una vez más me voy más que satisfecho por la profesionalidad del personal y, por tanto, para mi entender, se merece las ⭐️⭐️⭐️⭐️⭐️. Les recomiendo a todos Suncoast.

Product: Suncoast Credit Union Credit Cards

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Rob Fink

@floridalivin100

1 Star Rating

Worst credit union ever. Some employees are nice, but the majority might as well be AI the way they talk to people. They also have a terrible app that doesn't work correctly for deposits.

Product: Suncoast Credit Union Personal Loans

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1 Star Rating

Would not recommend them after they froze my future son-in-law's bank account when he took out a loan and tried to wire money to his future wife. Following an intrusive investigation, they deemed her to be a fraudulent person and locked his account completely. She had an account there, and both her mother, father, and I hold accounts there as well. All six of us will be closing our accounts and moving entirely to Navy Federal. We will be filing a CFPB complaint against Suncoast.

Product: Suncoast Credit Union Personal Loans

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Michael Mayo

@mayogroup

1 Star Rating

Verified Customer

Based on their application for any type of loans or increases to a current credit card, this institution is frankly a scam in itself! If you have an impeccable payment history and consider applying for an increase or other loan products, don't. From the time you hit apply, you are declined in less than 3 seconds. I will never promote or refer anyone to Sun Coast Credit Union moving forward. Sun Coast, please stop emailing me to refer people! I want to save the humiliation of anyone I know from being treated as I have been treated. I have a proven history and have never given any reason for your institution to consider me a credit risk. While you claim to be the largest credit union in Florida, and that might be true, I find that you are the worst and that only a selected group of people get approved, even if they have below-average or poor credit.

Product: Suncoast Credit Union Credit Cards

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JEFFREY JOHNSON

@montana1_2004

1 Star Rating

These people are terrible. They have added a fee to my auto loans claiming I do not have insurance. I have never in my adult life been without insurance on my cars. Every time I received a letter from them, I would prove that my insurance is paid and valid. They said they would fix it, but they never did. Now, they have added a large fee to my auto loans still stating that I don't have insurance. I even had my insurance company send them the declaration page again, and still, they cannot fix their mistake. I will never use them again for auto loans, and I will be moving my eight accounts out of their bank.

Product: Suncoast Credit Union Car Loans

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manwaringcs

@manwaringcs

2 Star Rating

Not impressed. It's very hard to access your own money. Their fraud department is a joke. I can't use the card at the Publix down the street from my house that I visit every three days without it getting declined for fraud, yet they let Facebook hackers run up $10,000 on my account in 48 hours. Go to a bank.

Product: Suncoast Credit Union Business Services

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rick34608

@rick34608

2 Star Rating

Unreliable bill payment system. I set up a bill payment at Suncoast Credit Union in FL. I sent four payments over a four-month period to my water/utility company. The fifth payment was never delivered. The history on the account states that the bill was sent, but the utility company said it was never received. So, I had to issue a stop payment on the check that the Bill Pay system sent. Then, I had to square up with the utility company. The utility company suggested I reverse the stop payment on the lost check because it might show up, and if it did, I would get charged a returned check fee for the stop payment. So, I went back to Suncoast Credit Union to reverse the stop payment. Additionally, the customer service representative asked me to sign in to my account from her workstation at the bank so she could understand what I was talking about. I told her I would not sign in on her workstation, as it was a security risk. The CSR was very offended when I mentioned it was a security risk. She assured me it was safe to sign in. I am an IT security teacher at a local college; I know the risks. At any rate, I experienced an unreliable bill payment system at this credit union. If you bank at this place, you should be aware of this fact.

Product: Suncoast Credit Union Checking

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Julie Sykes

@joyfuljulie78

1 Star Rating

Awful, just awful! The worst customer service I have ever dealt with. After spending an entire week following their steps to become the power of attorney for a relative, they finally granted it. But when I made my first money transfer, they voided it. This caused my account to go negative. And on top of that, they locked me out of my own account until I resolve the negative balance which they created! I was on the phone with them for one hour and twenty-seven minutes, and nothing got resolved. It's a Friday night, and they told me I have to wait until Monday to speak with someone who can actually help me. This is not the first time something like this has happened with Suncoast. Their inability to deal with customers is beyond me. It's ridiculous!

Product: Suncoast Credit Union Checking

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Andrew Hutchinson

@Excalibur62

1 Star Rating

Suncoast credit union after having a account and perfect credit with the for over 20 years at the order of Zwicker & Associates sized my savings of 800 dollars of which 100% From my Social security. There is no ""Judge order" It's all Suncoast schools doing. I was injured at work and was unable to pay a Discover card . I was and am 100% up front with the from the beginning 5 years ago. They also have frozen my checking that the Social security goes into so I can't withdraw or pay bills or buy food. For a household of 3 this is our only income. I have tried contacting Zwicker & Associates for over 4 years but they refused to talk to me because another lawer on the account that no legal right to represent me and he refused to discharge from the case.I had a initial agreement to pay. But I paid in 5000. Over a year yet thru only paid 168. To the creditor. This is a scam by Discover/ Summit law and debt services google it! But Suncoast are the aggressive ones sizing all the money the clearly shows it all Social security income. They did this Christmas week. They are rotten people. All you and your families have a wonderful Christmas and please think of me and my family while you enjoy yourselfs. Over 20 years and they never even told me what was going on...Ive contacted the Florida Bar Association and am working with them on Multiple ethics complaints against Suncoast schools Attorney as well as Zwicker & Associates of Jacksonville. Who have many complaints formal and reviews. This should be enough to challenge there licenses
This is a actual complex scam Zwicker &Associates Discover credit services and multiple actual licensed attorneys of a Debt pay off Scheme. They are do this to 1000s

Product: Suncoast Credit Union Business Services

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Ed Clark

@cwoclark

1 Star Rating

Suncoast is the worse bank to use. Their mobile APP looks like it is from 1999. Forget using mobile deposit, your check photos have to be PERFECT apparently. Their website is beyond out dated and terrible. And the use of their "Speedpay" for external funds is limited by 1 TIME EVERY 15 DAYS!! can you imagine?

Go anywhere else.

Product: Suncoast Credit Union Checking

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Suncoast Credit Union Q&A(109 questions)

Get answers to your questions about Suncoast Credit Union below. Editorial and user-generated content is not provided, reviewed or endorsed by any company. Please keep in mind that it is not a financial institution’s responsibility to ensure all posts and questions are answered.

Upvotes

Does Suncoast Credit Union have online banking?

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1

Alexandra Barring, Banking Moderator

@alexandra

Yes, Suncoast Credit Union has online banking. It's called the SunNet. It allows you to access and manage your accounts, and it doesn't charge a fee. All you need to get started is either your member number or your social security number.

They also have an app for both Android and iOS.

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Upvotes

Where can I check my Suncoast Credit Union credit card points balance?

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6

WalletHub

@WalletHub

You can check your Suncoast Credit Card points balance by logging into the Suncoast online banking system. You'll need to enter your member number, which was provided when you opened the account, along with your password.

You can use your Suncoast rewards points for cash back, travel, or merchandise, among other things. If you're not sure how to log in or you forgot your password, call customer service at 1-800-999-5887.

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Upvotes

What credit score is needed for the Suncoast Rewards Student Classic card?

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3

WalletHub

@WalletHub

TheSuncoast Rewards Student Classic card is available to applicants with fair credit or no credit history. The cardwas designed exclusively for students attending two or four-year accredited colleges or universities.

With this said, a credit score above 640 or no credit score at all should put you in the right place. If you're not sure where you stand, you can check your latest credit score for free on WalletHub.

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Upvotes

If I deposit an out of state check is there a hold on it?

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3

Upvotes

How much do you need to have in your savings account to earn interest?

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Upvotes

How much is the minimum payment for a Suncoast Credit Union credit card?

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2

Lee Olsen

@lee.olsen

The minimum payment for a Suncoast Credit Union credit card is either $10 or 2% of your total new balance, whichever is greater.

By paying this amount each month before your due date, you can keep your account in good standing. But in order to avoid being charged with interest, you must always pay what you owe in full.

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Upvotes

How do I request a credit limit increase with Suncoast Credit Union?

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2

Mario Andrade

@spaceship01

To get a Suncoast Credit Union credit card limit increase, you have to apply online here, in the SunMobile App, by calling 800-999-5887 or in person at any Suncoast service center.

Your chances of getting a higher limit are always best if your credit score and income have improved since you got the card.

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Upvotes

What credit score is needed for a Suncoast Credit Union credit card?

Reply

2

WalletHub

@WalletHub

Suncoast Credit Union offers credit cards for persons with bad (300-639), fair (640-699) and good (700-749) credit scores, as well as students with limited credit history.

To apply for a Suncoast Credit Union credit card, you first need to become a member. Please find out more details on how to become a member here.

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Upvote

When are funds from a check deposit available at Suncoast Credit Union?

Reply

1

Sydney Garth, Credit Cards Moderator

@sydneygarth

Funds from a check deposit at Suncoast Credit Union are typically available on the same business day. However, if you deposit a larger check, only the first $225 from your deposit will be available on the same business day. There will be a hold of at least one day placed on the rest of the funds. The credit union will notify you at the time of the deposit on when the full amount will be...

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Upvote

Does the Suncoast Credit Union Classic Starter card do a hard pull?

Reply

1

Rhonda Stewart, WalletHub Loans Analyst

@rhonda

Yes, the Suncoast Credit Union Classic Starter card will do a hard pull on your credit report. It is designed for applicants with less than 3 years of credit history, meaning that credit is extended based on an initial credit inquiry.

There is no way to prequalify for the Suncoast Credit Union Classic Starter card. A hard pull usually causes an applicant's credit score to drop by 5-10 points. Most people's scores bounce back...

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Suncoast Credit Union Reviews: 271 User Ratings (2024)

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