Free Checking

Open a free checking account with eStatements and get no monthly fee and a secure debit card.

Fee-Free Banking Everywhere You Go

By opening a Cal Coast Free Checking account, you gain the freedom and flexibility of digital and mobile banking with access to 30,000 ATMs.

Do more of the things you love

Our free checking account comes with an advanced secure debit card, overdraft protection, eStatements and so much more. Not a Cal Coast member? By opening a free checking account, you'll immediately become a member. Being a Cal Coast member means access to free financial advice, some of the best rates on loans or credit cards, and many more exclusive benefits. Plus, you'll automatically be enrolled in our loyalty rewards program. There are no hidden fees, no monthly maintenance fees and a low minimum opening deposit of just $25. 

Account Benefits: 
  • Access to 30,000 CO-OP® ATMs Nationwide
  • Unlimited check writing
  • Courtesy Pay and Debit Card Courtesy Pay  
  • Unlimited branch transactions
  • Secure Debit Mastercard® included
  • Online Banking
  • Mobile Bankingincluding Bill Pay, Deposit, PayItNow person-to-person payments.2
  • Free eStatements
  • CoastLine Telephone Banking
Get 5% cash back!

Mastercard Local

Shop around town with your Cal Coast Mastercard® and earn 5% cash back automatically at participating local businesses.3 Simply look for the Mastercard Local™ logo when you shop, and enjoy the cash back.

Supporting your local businesses helps build your community.

Advanced Security Debit Cards

You May Also Like These Checking Options

Extra Value Checking

Get the same perks as a free checking account with added security with an Extra Value Checking Account from Cal Coast.

Ultra Performance Checking

Learn more about the ultimate checking account for 24/7 monitoring that keeps your assets protected and your identity safe.

Dividend Checking

With a dividend Checking Account, you can earn dividends with a high monthly interest on your balance and enjoy all the conveniences that come with Cal Coast checking accounts.

APY = Annual Percentage Yield. Rates are accurate as of 12/09/2022. 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 or Riverside 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.
  3. This is a special offer and exclusive to only eligible California Coast Mastercard debit and/or credit cards.  Eligible cards are automatically enrolled in the Program.  To opt-out of participating in the MasterCard Shop Local Program click here, call (877) 495-1600, or visit a Cal Coast Branch location. Program may be discontinued and subject to change at any time without notice. The offer can be used across a variety of participating merchants or repeatedly at your favorite participating merchants.  Purchases made online or through third parties and apps including, but not limited to food delivery apps, services, and platforms will not qualify for the offer. Simply use your enrolled California Coast Mastercard debit or credit card at participating merchants to automatically receive a statement credit on eligible purchases. No coupon necessary. The reward will be credited to your California Coast Mastercard used to make the qualifying purchase within 60 days from eligible purchase. Your account must be open and in good standing at the time reward is credited. Terms and conditions apply. Click here for full details.

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