Latest Updates on COVID-19

Seaside National Bank & Trust is Ready To Serve You

The situation surrounding COVID-19 (Coronavirus) continues to evolve rapidly and we are working hard to ensure we are keeping you safe and informed. The well-being of our Seaside Professionals, Clients and our communities remains our highest priority. Many of our Seaside team members are working remotely and we have invested in the tools needed to remotely serve you.

We will be altering our office hours to 9:00 a.m. to 2:00 p.m., effective Thursday, March 26. In addition, we will start serving all clients by appointment only. To schedule an in-office appointment, please contact your Client Advisor or call your local office. A list of office locations and numbers can be found on our website or simply click here:

As a reminder, utilizing online banking, mobile banking or ATMs continue to be the safest and most convenient ways you can access your money, manage your accounts, and even deposit checks.

Online Banking, Mobile Banking and ATMs Reminders

If you haven't done so already, we encourage you to establish online banking and download the Seaside mobile banking app. The Seaside Mobile App for (iPhone/iPad/Android) is available to all Seaside Internet Banking clients.

  • The App allows you to check balances, deposit checks (private banking only), view transaction activity, pay bills, make transfers, and find locations.
  • Two separate Apps (one for Private Banking and one for Commercial Banking) are available in the iTunes and Google Play Stores.
  • Please make sure your debit card has a working PIN number.
  • Through our affiliation with NYCE, Seaside debit cardholders can use any Publix Presto! ATM surcharge free.
  • We will waive all out-of-network ATM fees until further notice

At Seaside, we are dedicated to do everything we can to help you during these unique and challenging times.

Together, we will get through this.

Gideon Haymaker
Founder & CEO

Seaside is Committed to Assisting Small Businesses Find Financial Resources

We know this is a difficult time for many of our business clients and we want to help you access the financial resources to operate your businesses effectively. As part of our commitment, we wanted to share information regarding resources and programs available to you. These programs are designed to help your business mitigate the short and long-term economic impact of the COVID-19 pandemic.

Loans made to your small business are directly approved through the SBA. The type of loans the SBA provides include loans for physical and economic damage caused by a declared disaster.

Learn more about the types of loans offered using the link shown below.

The current pandemic would be categorized as an economic injury disaster loan.

Application period is available through May 8, 2020

Program Details:

  • Up to $50,000 per eligible small business
  • Term will be 1 year
  • Interest Rate will be interest-free for the term of the loan (1 year) and will carry an interest free period for up to one year

Find out how to apply at:

Our Focus is On You and Your Business

As your small business continues to navigate these unchartered waters, Seaside National Bank & Trust is ready to help. Contact your Client Advisor or call us at 407.567.2222 or 1-888-881-7628, if we can be of assistance.

Trustee Services

Control the management of your assets today, while providing financial security for your family. A trust is an effective tool for managing your assets during your lifetime and for the benefit of your loved ones after you are gone. A trust ensures that your assets will be managed in the future according to your wishes, as well as providing significant tax advantages to help you preserve those assets in the present. When you name Seaside as your trustee, you and your beneficiaries enjoy the knowledge and expertise of a breadth of specialists in such fields as:
  • Taxation
  • Investment Research and Management
  • Securities Trading
  • Real Estate
  • Family Business
  • Estate Settlement Services
  • Guardianship

About Financial Planning

Your financial affairs are complex. As one area of your financial situation changes, it directly impacts others. Seaside has experienced professionals on staff to help perform a thorough analysis. This analysis will create your complete picture while supporting your goal.

Comprehensive Financial Planning

By understanding your individual objectives, we can help select investment alternatives and services suited to meet your financial needs and your tolerance for risk. We will consistently review portfolio and design strategies that can help manage your wealth and preserve your income, while addressing any individual investment issues you may have.

Retirement Planning

We can help you choose investment alternatives that guide you through the changes in your life that can affect your retirement savings, as well as assist in preserving your income for the future.

Educational Planning

We'll develop a strategy that is right for you and your family, helping you prepare for the rising cost of education with options such as a 529 plan or a Coverdell Education Savings Account.

Estate Planning

Whether it's providing income for a spouse, educating children or grandchildren, or leaving money to a favorite charity, we will help you develop an estate plan or a trust that allocates your assets the way that you want.

Business Succession

We can help you accomplish tax planning, executive insurance and investment planning, as well as assist you in your employee benefits decisions.

Protection Planning

We can help calculate your life insurance needs, factoring in future changes in your finances and the rate of inflation.

About Insurance

Seaside National Bank & Trust owns and operates Seaside Insurance. Seaside Insurance is an independent insurance agency focused on providing our clients with insurance solutions tailored to fit their specific needs. We do not offer any proprietary investment products; instead, we operate as an independent agency. Seaside Insurance will perform a prudent analysis of all aspects of your current personal insurance plans to assure you have adequate coverage, proper ownership and beneficiary structure. We will also do a cost comparison to ensure you are receiving a good value on your policy. Whether you are considering new coverage, additional coverage or simply want a review of your existing policies, Seaside Insurance can provide you with the guidance you need to make an informed decision. Seaside Insurance offers a wide variety of insurance offerings including:
  • Life Insurance
  • Key Man Insurance
  • Term life
  • Universal life
  • Fixed annuities
  • Disability
  • Long-term care
  • Split dollar plans
  • Buy/Sell life insurance

Retirement Plan & 401(k) Services

  • Plan Review and Consultation
  • Coordination of Plan Service Providers
  • Risk Management Solutions
  • Employee Education
  • Unbundled Approach

Employee Benefit Services

  • Group Plans: Medical, Dental & Vision
  • Group Ancillary (Life, AD&D, STD, LTD)
  • FSAs/HSAs/HRAs
  • COBRA Administration
  • Customized EB Website
  • EB Consultation and Benefit Management

Executive Planning Services

  • Executive Compensation
  • Business Succession Planning
  • Risk Management Solutions

Treasury Management & Depository Services

  • ACH Origination
  • Wire Transfer (domestic and international)
  • Online Payroll and Bill Payment
  • Purchasing
  • Credit and Debit Cards
  • Fraud Prevention Services

  • Lockbox
  • Remote Deposit Capture
  • Cash Vault Services
  • Merchant Credit/Debit Card Processing
  • Steve Hayworth, Vice Chairman

    P 305.779.2310 |

    Steve Hayworth

    In his roles as Vice Chairman of Seaside National Bank & Trust and Chairman and Chief Executive Officer of Seaside Insurance, Steve is responsible for the oversight of Seaside’s Wealth Management, Trust and Fiduciary and Insurance solutions. Prior to Seaside, Steve was responsible for the initial capital raise to purchase a Florida-based private bank and trust company. Steve led the institution’s growth and expansion, which resulted in its 2005 sale to a financial holdings company, and in 2009, he led the capital raise to repurchase and further capitalize the institution. Steve continued to lead the institution's growth until his departure in May of 2012.

    MBA from University of Miami | Bachelor of Science from University of Central Florida

  • Philip Rich, Chief Market Strategist

    P 407.567.2246 |

    Philip Rich

    Philip was previously a Senior Vice President and Managing Director of a large regional Registered Investment Advisor. In this role, Philip was responsible for Institutional Investment Sales in Florida, including sales of Endowments and Foundations Services and Retirement Services. Mr. Rich was responsible for the development of a Rollover Solution Center, a specialized advisory group designed to serve the needs of participants transitioning out of 401(k) plans.

    MBA from Rollins College | Bachelor of Arts from Rollins College

  • Nora Bagby, Director of Wealth Management Services

    P 407.567.2202 |

    Nora Bagby

    Prior to joining Seaside, Nora served as a Private Client Advisor and a Trust Business Development officer at a large regional financial institution. She was responsible for the management of individual and corporate investment portfolios totaling over $75 million in assets under management.

    Bachelor of Science from University of South Florida
    Northern Trust School Series 7 License | Life, Health and Variable Annuity Licensed

  • Ben Johnson, CFA, Wealth Strategist

    P 407.567.2260 |

    Ben Johnson

    Ben has performed equity analysis through fundamental techniques as well as technical analysis and charting methods. He has worked at several different companies before coming to Seaside including Coca-Cola, Walt Disney, and Newell Rubbermaid.

    MBA from University of Central Florida | Master and Bachelor of Science from Georgia
    Institute of Technology | Chartered Financial Analyst (CFA)

  • Stuart Scott, Wealth Strategist

    P 407.567.2216 |

    Stuart Scott

    In August of 2006, Stuart was among the first hired at Seaside and was instrumental in the creation of Seaside Wealth Management. Prior to Seaside, Stuart served as the Florida Group and Central Florida Regional Manager at a large regional financial institution where he oversaw 5 regions and 180 investment consultants and had direct oversight of a retail investment operation that was comprised of 64 investment consultants and staff.

    Bachelor of Arts from Framingham State College
    American Banking Association’s National Trust School Graduate

  • Adam Martin, CFA, Investment Analyst

    P 407.567.2245 |

    Adam Martin

    After joining Seaside, Adam has taken on the responsibility of daily management of most client accounts, equity analysis and research of existing and new investment opportunities, and ensuring Seaside meets regulatory compliance obligations. Adam has a diverse background spanning many industries including having worked for HCA Healthcare, Hilton, Discount Tire, and The University of Central Florida.

    MBA from University of Central Florida | Bachelor of Science from Florida State University
    Chartered Financial Analyst (CFA)

  • Lance Hopegill, Fiduciary Officer

    P 407.226.1112 |

    Lance Hopegill

    Lance was previously Vice President of Charter Investment Advisor, Inc., a Registered Investment Advisor located in Orlando, Florida. While at Charter, Lance served as the lead portfolio manager and also assisted clients with the estate and retirement planning. Lance was with Charter for eighteen years until the company was acquired by Seaside National Bank & Trust in 2014. In his role as fiduciary officer, Lance is responsible for the oversight and administration of Seaside’s Trustee and Estate services.

    Bachelor of Science from the University of Florida | Certified Financial PlannerTM (CFP®)

Subscribe to our e-blast series and stay up-to-date with the latest Seaside Wealth Management News

Dear Seaside Clients,

At Seaside, our top priority is the health and well-being of our Professionals, clients, sharedholders, and communities. Amid escalating concerns about COVID-19, we want to keep you informed throughout this challenging time about access to Seaside and the products and services we provide. The following are some easy steps you can take now to help secure the uninterrupted flow of your banking services:

Online Banking, Mobile Banking and ATMs

If you haven't done so already, we encourage you to establish online banking and download our mobile banking app.

The Seaside Mobile App for (iPhone/iPad/Android) is available to all Seaside Internet Banking clients.

  • The App allows you to check balances, deposit checks (private banking only), view transaction activity, pay bills, make transfers, and find locations.
  • Two separate Apps (one for Private Banking and one for Commercial Banking) are available in the iTunes and Google Play Stores.
  • Please make sure your debit card has a working PIN number.
  • Through our affiliation with NYCE, Seaside debit cardholders can use any Publix Presto! ATM surcharge free.
  • We will waive all out-of-network ATM fees until further notice

Seaside Professionals in our offices are ready to serve your needs. Our offices are fully operational and are ready to help you in case you need assistance. They have been briefed to keep the workspace extra clean and sanitized and we have implemented more frequent and thorough cleanings of our facilities.

We appreciate your business and are committed to assisting you through any disruptions that may arise relating to COVID-19.

For the latest reporting on COVID-19 from the Centers for Disease Control, visit The health and well-being of our clients and Seaside Professionals remain our highest priority, and we will continue to closely monitor the situation and will provide additional updates as needed.

Gideon T. Haymaker,

Founder & Chief Executive Officer