Checking Accounts
Options to fit all of your personal banking needs.
Security. Accessibility. Convenience.
From Free Checking with eStatements to earning dividends, Cal Coast has a variety of banking options to help you better manage your money easily and securely.
Compare Checking Accounts
| Free Checking with eStatements | Access Account | Extra Value Checking | Dividend Checking | Ultra Performance Checking | |
|---|---|---|---|---|---|
| Monthly Fee | $0 | $0 | $3.75 Waived with $1,500 min. daily balance | $8 Waived with $1,500 min. daily balance | $20 Waived with $15,000 min. daily balance |
| Minimum Opening Deposit | $25 | $25 | $25 | $25 | $1,000 |
| Minimum Daily Balance | None | None | None | $1,500 | $15,000 |
| Dividends | None Paid | None Paid | None Paid | Paid with $50 minimum balance | Tiered Rates for higher dividends |
All Accounts Include
Free with your Account
- Access to 30,000 CO-OP® ATMs nationwide
- Unlimited check writing
- Branch transactions
- eStatements
Banking on the Go
- Free online and mobile banking1
- Free Bill Pay
- Mobile deposit
- PayItNow person-to-person payments2
- Paperless eStatements
- Telephone banking
Debit MasterCard with Chip
- Use your Debit MasterCard® with Chip to access your money at any ATM with the CO-OP®, Mastercard, Maestro®, Cirrus, or PULSE® logos
- More convenient than checks or cash
- Advanced security with EMV Chip technology
- Purchase protection with Smart Shopper Benefits (Extended Warranty Insurance, Price Protection and a Satisfaction Guarantee)
Get Your Paycheck Early
If you have a Cal Coast checking account with Direct Deposit, then you may have noticed that your last paycheck was deposited a couple days early . . . that's right — it wasn't a fluke!
Open a checking account today or enroll in Direct Deposit to take advantage and get paid earlier.
APY = Annual Percentage Yield. Rates are accurate as of 01/06/2026. Rates and terms are subject to change without notice. Visit calcoastcu.org or visit one of our branch locations for details on rates, fees, and minimum balance requirements. Membership and credit subject to approval. Serving everyone who lives or works in San Diego, Riverside, Imperial, Orange, Los Angeles, Ventura, and San Bernardino counties. A one-time $5 membership fee and savings account required. Restrictions apply.
1. Check with your wireless provider to determine if data and text messaging rates apply.
2. Maximum transfer amount is $1,000. There is no fee to use this service. Learn More.
Serving anyone who lives or works in San Diego, Riverside, Orange, Los Angeles, Ventura, Imperial, or San Bernardino counties.