Seacoast Bank $200 Savings Bonus (3.8% Effective APY) - 2026 Review
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Bonus Tiers & Effective APY
Overview
Seacoast Bank currently offers up to $200 through its savings promotion. The headline tier requires $15,000 and keeps the funds committed for roughly 130 days. That is approximately 3.7% annualized before tax and opportunity-cost adjustments.
Who This Savings Bonus Is Best For
People with $15,000 of genuinely idle cash who can leave it committed for roughly 130 days without sacrificing a better use for the funds.
How to Maximize This Bonus
Fund the account inside the 10-day window, target the tier you can maintain comfortably, and keep the qualifying balance in place for the full 90-day maintenance period. Avoid moving the money until the reward posts.
Pros
Cons
How This Compares to Other Bonuses
Seacoast Bank's $200 headline payout is closest to TD Bank's $200 offer. Compare the required capital, holding time, account fees, and base interest, not only the bonus.
Frequently Asked Questions
What is the current Seacoast Bank promotion?
Seacoast Bank currently offers up to $200. The headline requirement is $15,000 deposit held for about 120 days.
How much money is required for the Seacoast Bank bonus?
The highest advertised payout currently requires $15,000. Lower tiers may require less; review the tier table on this page.
How long is the money committed?
Plan on approximately 130 days including funding, maintenance, settlement, and a practical payout buffer.
Eligibility
Florida or Georgia residents only. New savings customers only. You can open this online: the bank's own offer page links straight to its application with the code already applied, or you can open it in a branch. Offer Code CON600. Deposit $15,000 or more in new money within 10 business days of opening and keep a $15,000 minimum balance for 90 days. That $15,000 is a floor under every single day of the 90, not an average, so one dip below it loses the bonus. Pairs with $400 Premium Checking bonus for $600 total.
Fees
Apply
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Sources (2)
We last checked this against the bank's page on July 27, 2026.
Historical Promotions
The current $200 is the highest we've tracked since February 2023.
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Fat Stacks Academy may earn a commission when you open an account through links on this page, at no additional cost to you. Commissions do not influence our reviews — we verify offer terms directly with each bank before publishing and do not accept paid placement in our rankings. Bonus offers, requirements, and fees are determined by each financial institution and may change at any time. Always verify the current terms directly with the bank before applying. This content is for informational purposes only and does not constitute financial advice.