Coast Into Better Banking

At Cal Coast, we believe banking should do more than manage your money—it should support your goals, reward your loyalty, and simplify your life.

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Get Rewarded with Cal Coast

Earn up to $200

Reset your finances and get more from your checking account with built-in identity theft protection.²

Use Promo Code RESET

Get Your Paycheck Early³

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.

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Benefits and Perks

Refer your friends to Cal Coast and earn up to $500⁴
Free financial guidance
Honest advice
Simple tools to pay bills, track spending, and save

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 an 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 calcoastcu.org/refer.
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.
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.
Referring Members: To qualify for the $50 referral incentive 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.
Referred Members: To qualify for the $50 referral incentive bonus, the referred member must be a first-time new member, meet membership and account eligibility requirements, be at least 13 years old, and open a checking account with eStatements, plus deposit and maintain at least a $50 balance in the checking account, and one of the following: enroll in Digital Banking, use Bill Pay, or set-up Direct Deposit. Referral bonuses are paid to the savings account within 3 business days of the criteria being met, including maintaining a $50 balance in the checking account.
Additional Promotion 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 joint 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. Limited time offer. Terms and conditions subject to change without notice and promotion may be discontinued. Learn more at calcoastcu.org/refer. Membership and credit subject to approval. Visit calcoastcu.org/membership-benefits/ for membership eligibility.
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.
APY = Annual Percentage Yield and are accurate as of 06/01/26. The minimum balance required to open and earn stated APY is $10,000. The Annual Percentage Yield assumes dividends will remain in the account until maturity. Early withdrawal penalty applies. Fees could reduce earnings. Offer excludes individual retirement accounts. At maturity, the promotional 11-and 15-Month Certificate automatically renews into a standard 12‑Month Certificate at the prevailing rate; credited dividends become part of principal. Limited-time offer. Cannot be combined with any other offer. Subject to change without notice. Other restrictions may apply.