Seacoast National Bank

Do not walk away from this bank trying to get a loan. RUN, the process will drive you crazy. They will give hope just to disappoint you time and time again. The team if you can call it that is just a big rats nest of hoops. They should take stars away for the service they gave me.

When I started my checking and savings account, there were no fees for either. Suddenly there is a «maintenance» fee when my savings account dropped below $ 500. Thankfully I used this account as a reserve account and I keep all of my funds with a better bank. I was just about to transfer all of my funds here (work direct deposits, think about buying a house, etc), until this happened. They withdrew so much money in «maintenance» fees that my savings account was closed. When I went in to discuss this, the lady was very rude, unpleasant, and unapologetic. There was a man working there that was willing to try and figure out why my savings account had switched to the kind that needed a minimum balance, but whenever he spoke, the lady just cut him off. I guess if you do not have millions of dollars in this bank, they do not care to keep your business.

I had the extreme unpleasant experience of dealing with Catherine Curson of the Stuart, FL branch regarding their dishonorable attempt to collect 630.00 in overdraft fees from my business.
It all began when I deposited a check in their ATM on a Friday. Knowing it would take sometime to clear I checked back on Sunday to find that it still had not cleared. After calling the customer service line I was told that it would clear the next day at 8am.
Now with the understanding that it would clear at 8am, I proceeded to tell my landlord that he can cash my business check since the funds were now available. I happened to be driving by my local branch (well after 8am) and decided to check my balance and what do I find? I find that the check still has not cleared like I was told it was going to and now I need to notify my landlord asap that the funds are not there. After doing this I pulled back around and asked the teller when the funds would clear. She gave me a complete different answer than the first lady, now telling me they would clear at 12am the next day. Fine, so I tell my land lord he can cash the check after midnight. So what do I wake up to the next morning? 630.00 in overdraft fees. How could this have possibly of happened you might ask? Well it is quite simple. The check STILL DIDNT POST! Now on top of that they decided to run the 1600.00 rent check followed by 17 much smaller amounts that had been pending, thus allowing their bank to collect some pretty hefty fees.
So when I went in the next morning and explained the situation, I was told I would need to drive to the headquarters and deal with it there. Fine, so I drive there and am greeted by Catherine Curson and her colleague, of which both were quite smug and condescending, making sure they «explain the rules of banking» to me. All the while neither of them seem to understand that the only reason I was in this mess was because nobody can seem to figure out when a check will post at this bank. After going back and fourth she gladly was willing to refund me all of the fees except for 3. Those last 3 fees she would rather me go and open up a business account at another bank and close out the one at their bank than do business any longer with them.
Keep in mind if the check cleared either of the two times they claimed it would, I would have had more than enough money to cover any and all pending transactions. This bank is out to take money from you, stay away at all costs.

Horrible experience with our home loan! After waiting a month and furnishing reams of paperwork, the loan was declined over our payment history– something the loan officer knew from the very beginning! We were led to believe everything was just fine until 4 days before closing, and we had to nag them to tell us the truth! We will be seeing our lawyer in connection with this experience.

No better then the big banks, underwriters out of touch with customers in the local community and loan officer not knowledgeable enough.

Stay away from this bank! Unprofessional and inept staff with no leadership or accountability. We applied for SBA loan through them and they wasted our time and resources for over 5 months after initially approving us and offering us terms! Loan officer who out and out lied to us, strung us along and then sent a «dear John» letter telling us we were declined because our company didn’t «wet their appetite any longer»!!! Incredible abuse of their role. Trust me, this bank couldn’t care less about community or professional conduct!

I would stay away from Seacoast National Bank! I really wanted to like them when I first started thinking with them So I decided to get a mortgage from a community bank And they ended up selling my mortgage to another bank before I can make my first payment. Just shows you how much they care. They will never get another positive review out of me for what they did.