For Notaries · Florida

How to Become a Remote Online Notary in Florida

A remote online notary in Florida is a commissioned notary who has also registered as an online notary public with the Department of State: you complete the online notary education course, contract with a RON service provider, obtain a $25,000 bond and a $25,000 E&O policy, and file the registration with a $10 fee. Once registered, you may charge up to $25 per online notarial act.

Here to notarize a document, not to become a notary? This guide is for Floridians building a notary practice. Signers should instead connect with an online notary in minutes or compare every place that notarizes documents.

Last updated: August 13, 2026 · By Andrew Ray Yon, MBA, ChFC — CEO & Founder, USA Notary

Florida was among the first big states to put remote online notarization fully into practice: HB 409, the "Electronic Legal Documents" law (Chapter 2019-71, Laws of Florida), has been in effect since January 1, 2020, and Part II of Chapter 117, Florida Statutes now spells out exactly who may notarize online, what it takes to register, and what you may charge. The Department of State's Division of Corporations administers both the underlying commission and the online registration.

Florida's structure is two layers: a base notary commission (appointed by the Governor, four years, $7,500 bond), then a separate online notary public registration layered on top of it. This guide walks the whole ladder with every figure pulled from the statute or the Department of State's own pages — re-verified on August 13, 2026 — and finishes with how a registered Florida online notary actually gets paid work.

Florida Online Notary Requirements at a Glance

PrerequisiteActive Florida notary commission (4-year term, $7,500 bond, $39 state fee)
RON trainingOnline notary education course + certificate of completion, filed with the registration
TechnologyContract with a RON service provider before applying
Online notary bond$25,000 (replaces the $7,500 base bond requirement)
E&O insurance$25,000 minimum, from an insurer authorized in Florida — mandatory
Registration fee$10, payable to the Department of State
Fee cap per online act$25 (Fla. Stat. §117.275)
Registration termExpires the same day as your underlying commission

Sources: Fla. Stat. §117.225 and the Florida DOS Remote Online Notary Public page, both retrieved August 13, 2026.

Layer One: The Base Florida Commission

Fla. Stat. §117.01 sets the floor: a notary public must be at least 18, a legal resident of Florida who maintains that residence for the whole term, and able to read, write, and understand English. A permanent resident alien may apply too, filing a recorded Declaration of Domicile with the application — a detail most Florida guides omit. Felony convictions don't automatically bar you, but the application demands a statement of the offense and proof your civil rights were restored.

Applications route through a state-approved bonding agency rather than the Department of State directly, carry a $39 payment (a $25 application fee, the $10 commission fee, and a $4 education surcharge), and — for first-timers — require proof of at least 3 hours of notary instruction completed within the year before applying. The Department of State's own online course satisfies that requirement at no cost. There is no exam. In condensed form, the path looks like this:

  1. Confirm you're eligible. You must be at least 18 years old, a legal resident of Florida, and able to read, write, and understand English. If you've had a felony conviction, your civil rights must be restored first.
  2. Complete the three-hour education course. Florida requires first-time applicants to complete a state-approved three-hour notary education course. The Department of State offers a free online program, or you can use an approved provider.
  3. Obtain a $7,500 surety bond. Purchase a $7,500 notary surety bond from a surety company authorized in Florida. In practice, the approved bonding agency (notary processor) handling your application bundles the bond, seal, and supplies together.
  4. Submit your application and $39 state fee. File your notary application through a state-approved notary processor that electronically transmits it to the Department of State. The state fee totals $39 (a $25 application fee, $10 commission fee, and $4 surcharge), plus your oath of office and bond.
  5. Receive your commission and start notarizing. The Governor appoints you and the Department of State issues a four-year commission. Order your official notary seal and record book (journal), then you're ready to notarize documents throughout Florida.

Two rules worth flagging before you take office. Your seal and commission certificate are your exclusive property under §117.05(3)(b) — an employer who paid for them still cannot keep them when you leave. And reappointment is never automatic (§117.01(6)): every renewal repeats the full application, so calendar your expiration date the day the commission arrives.

Curious how much of this ladder can be climbed without leaving your desk? Our breakdown of which commissioning steps states let you finish online uses Florida as one of its cleanest examples — nearly everything here is remote-friendly.

Registering as an Online Notary with the Florida DOS: 6 Steps

Fla. Stat. §117.225 lists every element a registration must contain. Here they are in the order you'll actually complete them.

1. Hold an active commission — and submit its number

Registration is open to a current Florida notary public, a civil-law notary under chapter 118, or a commissioner of deeds under chapter 721; your commission or appointment number goes on the registration. The dates you list must match the Secretary of State's records exactly, because the online registration runs concurrently with the commission and dies with it.

2. Complete the online notary education course

You must certify completion of a classroom or online course covering the duties, obligations, and technology requirements of serving as an online notary public — separate from the 3-hour course behind your base commission. Finish it first: the certificate of completion attaches to your registration, and the Department of State keeps a list of approved RON education providers.

3. Contract with a RON service provider — before you apply

The Department of State is explicit that the vendor contract comes before the application. The provider must supply three things: the technology that attaches your electronic certificate, signature, and seal to a document; the identity-proofing and credential-analysis technology run on every signer; and the storage for the audio-video recording of each session. Your registration names the provider or providers you'll use.

4. Obtain the $25,000 online notary bond

Evidence of a $25,000 bond, payable to any individual harmed by a breach of your duty as an online notary, must accompany the registration. It's executed by a surety company authorized in Florida and filed with the Department of State — and compliance satisfies the base $7,500 bond requirement of §117.01(7), so you carry one bond, not two.

5. Obtain a $25,000 errors-and-omissions policy

Unlike most states — where E&O coverage is the notary's optional call — Florida makes it a registration requirement for online notaries: a policy of at least $25,000 from an insurer authorized to transact business in the state, with evidence filed alongside the bond.

6. Mail the signed, sworn registration with the $10 fee

The registration package — signed and sworn, with the course certificate, the Online Notary Public information form required by Rule 1N-7.005, and a $10 check to the Florida Department of State — goes by mail, courier, or in person to the Division of Corporations in Tallahassee. Leave the information form out and the Department won't process the application.

Approved registrants appear in the state's public Approved Online Notaries lookup, which is also where you check your own status. From there, the platform side begins — picking where to take sessions — and our compare the RON platforms Florida notaries can work on guide covers that decision in depth.

Sources: Fla. Stat. §117.225 · Florida DOS — Remote Online Notary Public (RON).

Who a Florida Online Notary Can Serve — and From Where

Fla. Stat. §117.209 draws the map, and it's generous. An online notary public physically located in Florida may perform an online notarization regardless of whether the principal or any witnesses are physically located in this state — the statute's words — and §117.209(4) adds that the act's validity is determined by Florida law no matter where the signer sat. In remote online notarization generally, the notary's commissioning state authorizes the act; Florida's version of that rule is what turns a state registration into a nationwide practice, which is exactly why platforms route signers from anywhere to Florida notaries.

One carve-out is written into the first sentence of the statute: online notaries may perform any notarial function authorized under Part I excluding solemnizing the rites of matrimony. Florida notaries famously can officiate weddings — but only in person, not over video.

The identity-proofing rules behind that reach are still evolving. The Department of State's RON rule (Fla. Admin. Code 1N-7.001) has a noticed rulemaking workshop for August 14, 2026 on amendments adding biometric verification to the identity-proofing requirement — worth watching if you're choosing a provider this year, since the technology bar may rise.

Texas runs a comparable two-layer model with different numbers ($50 registration, no separate RON bond); the contrast is instructive if you hold — or are weighing — commissions in both, so see our Texas notary and online notary guide for that state's path.

The $10 and $25 Caps: What Florida Lets You Charge

Florida prices the two sides of the work differently — and the spread is the economic argument for registering online.

Maximum in-person fee (per notarial act, §117.05(2)(a)) $10
Maximum online notarization fee (per act, §117.275) $25

§117.275 also settles a question that confuses new online notaries: fees for services other than notarial acts — including the RON service provider's own charges — sit outside the $25 cap and may be billed separately. Charging above a cap is no small matter either; §117.01(4)(i) lists excessive fees among the grounds for suspending a commission. And one fee is forbidden outright: under §117.05(2)(b), a Florida notary may not charge for witnessing a vote-by-mail ballot, and must witness one when an elector asks.

Florida's $25 ceiling happens to sit exactly where the national market already prices. Our July 2026 study of seven platforms' published prices found every major consumer platform advertising the same $25 entry price — USA Notary's own consumer rate is $25 per document — so a Florida online notary charging the statutory maximum is simply charging the going rate. For how Florida's caps compare with every other state's, the state-by-state notary cost table lays out all 51 jurisdictions.

Verified July 2026 against the National Notary Association "Notary Fees by State" table and primary state statutes/Secretary of State rules. Several states (WA, VA, NC) raised caps in 2023–2024. Fees are per notarial act/signature; a notary may charge less, never more. Confirm your state before relying on a figure.

The Electronic Journal and the 10-Year Rule

Every Florida online notarization leaves a double paper trail. Fla. Stat. §117.245 requires the online notary to keep a secure electronic journal in which each session records:

  1. The date and time, and whether the act was an oath or an acknowledgment.
  2. The type, title, or a description of the record or proceeding.
  3. Each principal's name and address.
  4. How identity was established — personal knowledge, or the credential type plus notations that it passed credential analysis and the signer passed identity proofing.
  5. The fee charged, if any.

The second trail is the recording: the RON service provider retains an uninterrupted, unedited copy of the audio-video session, which must capture the appearance and identification of the principal, a description of the records, the signer's declaration that the signature is knowing and voluntary, and every action and spoken word through to the signing. Journal and recordings alike must be maintained for at least 10 years after the act — double Texas's five — with the Department of State keeping investigative jurisdiction over them for that entire window. Retention can be delegated by contract to a secure repository, and sessions involving electronic wills carry stricter qualified-custodian rules.

In practice, your platform carries most of this load — recording storage is one of the three things the statute makes your provider supply — which is a reason to weigh how the notary-facing RON platforms handle compliance before you sign the vendor contract the registration requires.

Every Cost, Both Layers

Item Cost
State fee, base commission$39 ($25 application + $10 commission fee + $4 education surcharge)
Three-hour education course (first commission)Free from the Department of State; approved private providers charge their own rates
Seal and suppliesVaries by supplier / bonding-agency package
Online notary registration fee$10 (check to the Department of State)
$25,000 online notary bondPremium set by the surety; satisfies the base $7,500 bond requirement
$25,000 E&O policyPremium set by the insurer — required, not optional
Online notary education courseSet by the approved RON education provider
RON service provider contract + digital certificateVaries by provider

Only the $39 and $10 state fees are fixed by law; everything else is market-priced. Platform membership economics live at the full rundown of a working notary's costs and fees, and the national commissioning picture at the 50-state cost-to-become-a-notary comparison.

Registered in Florida? Make the Registration Pay

The registration is the license; the work still has to come from somewhere. USA Notary assigns paid signing sessions to member notaries — routing is availability-based, so sessions reach Florida notaries who are online and open — and membership pairs a monthly tier with a per-session fee, with SharpNote tools to bring, keep, and serve your own clients included on every tier. Review the membership tiers and per-session rates, check what the platform asks of Florida applicants, read where a member notary's income actually comes from, and compare the RON platforms Florida notaries can work on before you commit anywhere.

See How Membership Works

Frequently Asked Questions

Do I need to be a regular notary before becoming an online notary in Florida?

Yes. Registration as an online notary public is open only to someone who already holds a current Florida notary commission (or an appointment as a civil-law notary or commissioner of deeds) under Fla. Stat. §117.225. Your online registration runs concurrently with that commission and expires the same day, no matter when you filed it.

How much does it cost to become a remote online notary in Florida?

The state registration fee itself is $10. The larger costs sit around it: premiums on the required $25,000 surety bond and $25,000 errors-and-omissions policy, the online notary education course, and your contract with a RON service provider. If you don't yet hold the base commission, add the $39 state fee, the $7,500 bond premium, and the three-hour course.

How much can a Florida online notary charge?

Up to $25 per online notarial act, under Fla. Stat. §117.275. In-person acts are capped at $10 under §117.05(2)(a). A RON service provider's charges are services other than notarial acts, so they sit outside the $25 cap and can be billed separately.

Can a Florida online notary serve signers outside Florida?

Yes. Under §117.209(3), an online notary public physically located in Florida may perform an online notarization regardless of whether the principal or any witnesses are physically in the state — and §117.209(4) makes the act's validity a question of Florida law wherever the signer sits.

Can Florida notaries perform weddings online?

No. §117.209(1) lets an online notary public perform any notarial function online except solemnizing the rites of matrimony. Marriage ceremonies stay in person.

How long must online notarization records be kept in Florida?

Ten years. The electronic journal and the recordings of the audio-video sessions must be maintained for at least 10 years after the notarial act under §117.245(4), and recordings tied to electronic wills carry their own qualified-custodian rules.

Is there a Florida online notary exam?

No proctored exam exists at either layer. First-time commission applicants complete at least 3 hours of notary instruction, and online notary registrants complete a course covering the duties, obligations, and technology requirements of serving as an online notary public — the certificate of completion goes in with the registration.

Where to Go From Here

Florida's mandatory $25,000 E&O policy makes one national question moot here — the state already decided it for its online notaries — but the reasoning behind bonds versus insurance still matters when you set coverage above the minimum, and our plain-English comparison of notary bonds and E&O coverage walks through it. On the income side, remote work is only one specialization: the loan signing agent path remains the highest-paying add-on for a commissioned notary, and Florida's real-estate volume keeps that pipeline busy.

Helping someone outside Florida, or comparing requirements before choosing where to commission? Every state has its own version of this page in the become-a-notary directory covering all 50 states — bonds, fees, terms, and each state's RON posture in one place.

AY

About the author

Andrew Ray Yon, MBA, ChFC

CEO & Founder, USA Notary Services LLC

Andrew Ray Yon is the founder and CEO of USA Notary Services LLC and the architect of the SharpNote remote online notarization platform. A Certified Notary Signing Agent since 2005, he has handled mortgage and title loan signings for two decades — personally completing more than 10,000 notarizations — and holds an MBA and the ChFC (Chartered Financial Consultant) designation. Based in Virginia’s Greater Richmond region, he leads the company’s strategy, compliance, and platform development.

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Official sources

All sources retrieved and verified August 13, 2026.

This guide summarizes public requirements from the Florida Statutes and the Florida Department of State and is general information, not legal advice. Figures can change with legislation or rulemaking — confirm current requirements with the Department of State before applying.