Earn up to $200¹

Reset your finances your way. Choose the checking account that fits your needs and earn up to $200.

Use Promo Code "RESET" on your membership application. 

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How to Earn up to $2001

$100 Open your account

Open a new Cal Coast Free Checking with eStatements or Extra Value Checking with Identity Theft Protection.1,2

$50 Use your debit card

Use your debit card 10 times each month for the first 3 months.1

$50 Refer friends & family

Earn $50 for each new member you refer that becomes a member.1

Start earning $200

Choose your checking account.

Free Checking with eStatements

Designed to make managing your money simple, and convenient—with no monthly fee.3

  • Easy digital tools for paying bills, tracking spending, and saving
  • Everyday purchasing with your secure Debit Mastercard®
  • Nationwide ATM access with 30,000+ fee-free CO-OP® locations
  • Secure, paperless account access through eStatements
  • Early access to your paycheck—up to 2 days early—with Direct Deposit.4

Extra Value Checking

Features built-in Identity Theft Protection—monthly fee waived for 2 months, then $3.75 per month.2

  • Identity Theft Protection: Fully managed fraud recovery, credit monitoring, and up to $25,000 in coverage.2
  • Dark Web Scan: Alerts you if your personal data is found on the dark web.2
  • Personalized Support: Get help from a privacy advocate to investigate identity fraud.
  • Loan Rate Discounts: Enjoy exclusive discounts on consumer loan rates. 5
  • ATM Fee Rebates: Enjoy up to 2 withdrawals each month at ATMs outside of our CO-OP® Network.6
  • Plus, enjoy all the same benefits of Free Checking with eStatements.

 

More support for your financial reset

As a Cal Coast member, you may also qualify for additional member benefits designed to support your financial reset:

  • 0% balance transfer fees on our Platinum Mastercard® credit card7
  • No payments for 90 days on auto loans8 
  • Free one-on-one coaching with a Certified Financial Coach. Learn more about how to budget, understand how to improve your credit score, and more.

Coast into Better Banking with Cal Coast.

With nearly 100 years of service to our community, we’re committed to helping you bank confidently with stability, personalized support, and member-first benefits.

1. This promotion is available for a limited time and may be changed or discontinued at any time without notice. Use promo code: "Reset" at account opening.  Offers cannot be combined. Cal Coast Credit Union employees are not eligible. New members must be at least 13 years old to qualify. Members ages 13-15 must have a parent or legal guardian as a joint owner on the account. Must meet membership and account eligibility requirements. A one-time $5 membership fee may apply. Membership eligibility details are available at calcoastcu.org/membership-benefits/.
Tax Reporting and Liability:
All incentive bonus payments will be paid to the savings account within 120 days after qualifications are met. All incentive bonuses are considered interest, subject to tax, and will be reported on IRS Form 1099-INT.
To receive the $100 new member incentive bonus: you must within 60 days of opening your membership complete the following: 1) open a Free Checking with eStatements or Extra Value Checking account; 2) enroll in eStatements; 3) maintain at least $50 in checking account; 4) set up at least one of the following: a) direct deposit; b) Online or Mobile Banking; c) Online Bill Pay.
To receive the $50 debit card bonus: Use your Cal Coast Debit Mastercard 10 times per month for the first 3 months (or 30 times within 90 days of account opening).
To receive the $50 referral bonus: Eligible members can earn a $50 bonus through the Cal Coast Member Referral program. To qualify for the $50 referral bonus, the referring member must be an existing, active Cal Coast Credit Union member in good standing. The referred member must be a new member to Cal Coast Credit Union, open a separate membership account which includes payment of a one-time $5 membership fee, and meet the membership and account eligibility requirements. Bonus limits: a) $50 max referral bonus per referred member, b) $500 max total referral 
Additional Member Referral Program Terms: Referring members must be 18 years old to participate in the Coast into Cash referral program. Referred members who are 13 to 15 years old require a parent or guardian to be a joint owner on the account. Referrals are subject to verification. All related individuals may no longer qualify for this promotion and may not receive all or a portion of the bonus if, in Cal Coast Credit Union’s sole discretion, they are linked to an unqualified referral or misuse of the program. Learn more at https://www.calcoastcu.org/refer.

2. Minimum opening balance of $25. Maintenance fee of $3.75 charged monthly. Applicant must be at least 18 years of age to open an account. Identity theft insurance is underwritten by Lyndon Southern Insurance Company, a member of the Fortegra family of companies. Insurance products are not federally insured, are not obligations of, or guaranteed by the credit union. The information provided is a program summary. Please refer to the Identity Theft Expense Reimbursement Evidence of Coverage forms for additional information including details of benefits, specific exclusions, terms, conditions and limitations of coverage. Coverage is currently not available to residents of the state of New York and may not be available in other U.S. territories or jurisdictions in the future. Insurance products are not federally insured, are not obligations of, or guaranteed by the credit union. MONITORING SERVICES ARE PROVIDED TO THE PRIMARY ACCOUNT HOLDER ON AN ENTITLED BASIS AND REQUIRE CONSUMER ACTIVATION BEFORE THE SERVICES ARE ACTIVE. Proactive Monitoring Services are applicable to individuals age 18 and older who have a valid credit file. Credit Services are provided by TransUnion®, subject to change. The credit score provided may not be consistent with the credit score model used by a lender and therefore cannot be relied upon to determine creditworthiness for any particular loan opportunity.

3. Monthly $1.50 fee waived with eStatement enrollment and/or an aggregate direct deposit of $250 per month, or if the primary account holder is age 18 or under, or age 62 or older.

4. Direct Deposit may be credited up to two business days prior to the designated payment date if provided by the payer. Actual deposit date is not guaranteed.

5. Members in good standing may receive loan rate adjustment upon funding. Excludes credit card or Lines of Credit. Actual rate discount based on market conditions. Discount does not apply to promo rates or terms and cannot be combined with other offers. Subject to change without notice.

6. ATM fee waivers do not include those fees charged by banks outside the CO-OP network.

7. 0% balance transfer fees on our Platinum Mastercard Credit Card. Restrictions apply. Learn more at calcoastcu.org/platinum-mastercard/.

8. 90-day deferred payment option for qualified borrowers. Finance charges begin to accrue immediately and are repaid over the life of the loan. As a result, you may pay higher total finance charges on the loan than if payments began earlier. Restrictions apply.

Insured by NCUA. 

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