Maybe this is a wealthy person's problem. I can't understand why anyone would have a bank account they never use. My CFB account is where my SS checks go, and those funds are used for daily/weekly expenses and to pay my medical/dental premiums every month. We use another bank for other things spouse's SS check and paycheck, paying off major bills like taxes, home/car insurance, car payments, etc.

More importantly, will SunCoast appraise developers asking prices on homes, then approve mortgages that other financial institutions may not.

I experienced that two years ago with Citizens First Bank. It prompted me to transfer small amounts of money into that account monthly just so I don't have to worry about it.