Help

Here is a list of frequently asked questions to assist you. If you cannot find answers to your questions, please contact us and we will be glad to help!

Topics at a Glance

Apple Pay

Apple Pay

What is Apple Pay?

Apple Pay™ allows you to carry your card information in a digital form on your mobile device. Instead of using a plastic physical card to make purchases, you can pay with your Apple® device. Here’s an overview:

  • Apple Pay allows you to make purchases with an iPhone 6®, iPhone 6 Plus, iPhone 6S, iPhone 6S Plus or later device by holding the phone near a contactless reader at a participating merchant and authorizing the payment with your finger on Touch IDTM.
  • You can use your fingerprint with an iPhone 6, iPhone 6 Plus, iPhone 6S, iPhone 6S Plus or later iPhone, iPad™ Pro, iPad Air 2, iPad mini 3 or later iPad to make payments within participating merchant apps.
  • The Apple Watch™ is also accepted at participating in-store merchants. It can be paired with your iPhone 5 or newer.
Is Apple Pay free?

Yes. Apple Pay is free. Check with your wireless provider to determine if data and text messaging rates apply. California Coast does not charge a fee for members to use Apple Pay.

Is Apple Pay compatible with these devices?

Apple Pay is compatible with the following devices.

 Products  In Apps  In Stores
 iPhone 6, iPhone 6 Plus, iPhone 6S, iPhone 6S Plus or newer  Yes  Yes
 iPad Pro, iPad Air 2, iPad Mini 3 or newer  Yes  
 Apple Watch*    Yes

(*Paired only with iPhone 5 or newer)

Where can I use Apple Pay?

You can pay with Apple Pay within a participating merchant app, and use it at more than a million stores and restaurants who accept contactless payments. Look for one of these symbols at checkout:
 

View a list of participating merchants at Apple Pay Help.

What is a contactless payment?

Contactless payments use chip-based technology and require no physical connection between the payment device (a card or mobile device) and the payment terminal. Apple Pay uses contactless payments to transmit payment information from the device to the checkout reader.

What is Touch ID?

Touch ID is an easy way to use a fingerprint as a passcode. With just a touch of the device’s Home button, the Touch ID sensor quickly reads your fingerprint and automatically unlocks your phone. You can use Touch ID to authorize purchases with Apple Pay.

How do I pay with Apple Pay in participating stores?
  1. Hold your iPhone within an inch of the contactless reader and place your finger on Touch ID, until you feel it vibrate. If you're paying with your Apple Watch, double-click the button on teh side to bring up your default card, and then hold the display up to the reader.
  2. When the payment is approved, you'll see a Done message and a check mark on your screen.

Note: If you’re not sure if the store uses contactless readers, just look for these icons shown below at checkout.

How do I pay with Apple Pay online and in apps?
  1. Tap the Buy with Apple Pay button or Apple Pay button at checkout.
  2. Review the payment info and contact details.
  3. Enter billing, shipping and contact info if necessary. Apple Pay will store that info so you won’t need to enter it again.
  4. Place your finger on Touch ID to complete the payment.
  5. You’ll see a Done message and a check mark once the payment is approved.

Which Cards can I add to Apple Pay?

Apple Pay will work with California Coast MasterCard® debit and credit cards. You’ll want to set your default card to your California Coast Credit Union card.

This includes the following debit and credit card types:

  • Platinum debit card
  • Classic credit card
  • Platinum credit card
  • Platinum Choice Rewards credit card – If you’re currently earning reward points, you’ll continue to earn reward points for transactions.
  • Platinum Secured credit card
  • Platinum Student credit card

Note: Home Equity Line of Credit credit cards are not eligible.

How do I add a debit or credit card on an iPhone or iPad?
  1. On an iPhone, open Wallet and tap  in the upper-right corner. On an iPad, tap Add Credit or debit Card.
  2. Add your card by using the device’s camera to capture the card details and then enter the three digit security code on the back of your card. For best results, avoid reflective backgrounds. You may also enter your card information manually. A card verification will occur to see if the card can be added to Apple Pay. If the card is approved, you can add the card immediately.  If additional verification is required, please call (877) 495-1600. Once the additional verification is completed, a Wallet notification will appear on your device that lets you know your California Coast card is ready for Apple Pay.
How do I make my California Coast card my default card?

If you want to change your default card, click Settings > Wallet & Apple Pay and tap Default Card to choose a new card.

How do I remove a card?

To remove a card, open Wallet and select the Remove Card Option.

How do I add my card on an Apple Watch?
  1. To add a card on Apple Watch, open the Apple Watch app on iPhone and tap Wallet & Apple Pay, then tap Add Credit or Debit Card.
  2. You can add a card using the camera or by entering your card information manually. A card verification will occur to verify if the card can be added to Apple Pay. If the card is approved, you can add the card immediately.  If additional verification is required, please call (877) 495-1600. Once the additional verification is completed, a Wallet notification will appear on your device to let you know that your California Coast card is ready for Apple Pay.
Is Apple Pay safe and secure for making payments?

Apple Pay is more secure than using a traditional plastic credit or debit card. Every transaction on the iPhone, iPad or Apple Watch requires authentication with Touch ID or your Passcode.

Your card number and identity are not shared with the merchant, and the actual card number is not stored on the mobile device. Apple Pay creates a device-specific Device Account Number and uses it instead of providing the card number. Plus, transactions are monitored by California Coast’s fraud detection systems.

What is a Device Account Number?

It’s a substitute number used instead of the usual card number shown on the plastic card. The Device Account Number is created when a card is added to a device. It is unique to the device and each card added to Apple Pay. The Device Account Number is used to make purchases when using Apple Pay.

How do I find my Device Account Number?

To see the last four digits of the Device Account Number on an iPhone or iPad, open Wallet, tap the card, and tap .  For an Apple Watch, open the Apple Watch app on iPhone, tap My Watch > Wallet
& Apple Pay. Tap your card to select it and see the Device Account Number?

Does each card have its own Device Account Number?

Yes. The Device Account Number is unique for each card that is added to a device.

For example, if you have three cards on your iPhone 6 and the same three cards on your iPad mini
3, each card on each device will have its own unique Device Account Number.

What information is shown in Apple Pay?
  • An image of the card and last four digits of the card number will appear in Wallet.
  • The last transaction you made with the device and a convenient link to the Cal Coast Mobile app will appear below the image of the card.
  • California Coast’s contact info.
  • The last 10 transactions made from that device. For a full account history and final transaction amount, refer to your statement, online or mobile banking history.
  • A convenient link to the Cal Coast Mobile app.
When paying with Apple Pay in a store, will my card number appear on the receipt?

No. The merchant never sees the card number. The last four digits of the Device Account Number will appear on the receipt.

How do I return an item bought using Apple Pay in a store?

The cashier can use the Device Account Number to find the purchase and process the return, just like they would with a card payment. To see the last four digits of the Device Account Number, see “How do I find my Device Account Number?” above.

If the cashier needs your card details to process the return, just follow the same steps for making a payment:

  1. On the device used to complete the original transaction, select the card that will be refunded.
  2. On an iPhone, hold the device near the reader and authorize the return with Touch ID or passcode. On an Apple Watch, double-click the side button and hold the face of your Apple Watch a few inches from the contactless reader.

Depending on the return and refund policies of the store, it may take up to several days for the return transaction to appear on your account.

What if my card is lost or stolen?

Call California Coast immediately at (877) 495-1600 and mention that you’re an Apple Pay user. We’ll immediately block the card so no more purchases can be made. Remove the lost or stolen card from Wallet or the Apple Watch app using the “Remove Card” option.  After you receive a replacement card, add the new card to Apple Pay before making any Apple Pay purchases.

What if my iPhone, Pad or Apple Watch is lost or stolen?

Notify your mobile carrier then call California Coast and mention that you’re an Apple Pay user and have lost your device. We’ll disable your card for use with Apple Pay. If the card is only disabled for Apple Pay, you can continue to use your plastic card. If the device is located, you may add your card back to Apple Pay.

You may also go to iCloud.com or use the Find My iPhone app to suspend or remove the ability to pay from that device with Apple Pay. For Apple Watch, visit iCloud.com to remove your card then sign in, click Settings, choose your device, and click Remove All. Visit the Apple website for more information.

 

Bill Pay

Bill Pay

How can I access Bill Pay in Cal Coast Online?

Log in to Cal Coast Online and click on the Pay Bills tab to get started. If you are using a supported and most current browser, please check to ensure Javascript is enabled. Certain features used in Bill Pay will not function properly if Javascript is disabled. Perform an internet search for the most current browser and update it.       

Not all functions are working properly within Bill Pay?

If you are using a supported and most current browser, please check to ensure JavaScript is enabled. Certain features used in Bill Pay will not function properly if JavaScript is disabled. Perform an internet search for the most current browser and update it.             

When will my payment arrive?

The payment date is now the date your bill is paid and not the date your payment is sent. The payment is withdrawn from your account on the selected Deliver by Date or when a payee deposits their checks. The new Payment Guarantee* of 4 days instead of 5 days protects you from late payments and fraud.

*We will bear the responsibility for any late payment related charges (up to $50) should a payment arrive after its due date as long as you scheduled the transaction in accordance with Bill Pay's terms and conditions, which are available Online upon enrollment.

Where can I get instructions on how to use bill pay?

Log into Cal Coast Online and click on the Pay Bills tab. Once there, click the Help link for useful information about bill pay.

I can't open Bill Pay. I click on the Pay Bills tab and nothing happens, or I get a "time out" message. What should I do?

This is a problem with browser cookies. Cookies must be enabled to open the Pay Bills window. Sometimes cookies get deleted, which can also cause this problem.

To solve the problem, ensure that cookies are enabled, and open Bill Pay in a new window. To do this, right-click on the Pay Bills tab (Mac users cmd-click the tab), and select "Open in New Window". This will load cookies into your browser, and the next time you use Cal Coast Online, you should not need to do this again.

I got an alert about an eBill being enabled. But I never set up that eBill. What should I do?

If the alert says the eBill is enabled, then that payee is now eligible to send you eBills. You will not receive eBills for this payee unless you specifically set up the eBill by clicking on Set Up: e-bill under the payee.

How do I use the Bill Pay demo?

Try out the Bill Pay service using our demo. This site demonstrates the many convenient features of the bill pay service.

With this demo you can learn to:

  • Schedule & Make payments. (Payments are for demonstration purposes only. No real payments will be made in this demo.)
  • Set up reminders for bills
  • Check the status of payments sent
  • Review history with detailed information

Click on the "Help" tab within the Bill Pay window for more information on how to use the Bill Pay service. You will be able to view the following:

  • How do I....
  • Glossary
  • FAQ's
I tried setting up an eBill with a payee but it told me that eBills weren't available for the payee. Why not?

Vendors that support eBills (called eBillers) are only able to provide one eBill at a time. If you have set up this vendor for eBills at another financial institution, you can't set it up again at Cal Coast unless it is deactivated at the other financial institution. Your eBiller may take one full billing cycle to deactivate your old eBill. Once it is deactivated, you should be able to set it up again in the bill pay in Cal Coast Online.

 

Why would I need to turn off Pop Up Blockers?

You must disable pop up blockers in your browser or firewall to use Cal Coast Online. If you're having difficulty accessing eStatements, or Check Images in Cal Coast Online, your pop up blocker may be enabled. Disable your pop up blocker. You may have the choice to disable pop up blockers only for Cal Coast Online, while keeping them enabled for all other web sites. Visit Google for instructions on how to disable pop up blockers in the browsers you are currently using. 

If you're still having challenges after using the tips below, please call California Coast's Member Service Center at (877) 495-1600.

Cal Coast Loyalty Rewards Program

Cal Coast Loyalty Rewards Program

How often are Cal Coast Loyalty Rewards points added to my account?

Once a month on the 27th.

If I have more than one account, which account will my Cal Coast Loyalty Rewards points be deposited to?

The Loyalty Rewards Points will be deposited to your most active account.

Where can I find my Cal Coat Loyalty Rewards point balance?

You can view your points in Cal Coast Online, Cal Coast Mobile and on your statement. Please note: Loyalty points reside on the account that was identified as the most active at the time of program launch or account inception and will only display on this account.
After logging in to Cal Coast Online, choose Loyalty Rewards under accounts.
After logging in to your Cal Coast Mobile app, choose Loyalty Rewards.
On your statement, you’ll find “Cal Coast Loyalty Rewards” on the front page of your statement in the top right corner right under your “Balances at a Glance” section.

Will I be able to view my Loyalty Rewards points on any of my Cal Coast accounts?

No. The Loyalty points reside on the account that was identified as the most active at the time of program launch or account inception and will only display on this account. This display is consistent with every viewing method – Cal Coast Mobile, Cal Coast Online and your Statement. If logged into an account not designated as most active, Online Banking will display a message stating the service is not currently available. Mobile Banking will not display a Loyalty Rewards button.

What happens to my Loyalty Reward points if I close my most active account?

As long as the social security number is the same for the remaining account, the points will move to that account. This would occur on the 27th of the month.

Can I use my Loyalty Rewards points all at once – is there a maximum amount I can redeem per day?

You can use all of your points at once or save for a particular redemption that has a higher point value like the certificate rate increase for 1,000 points.

Is there a maximum amount of points that can be earned or saved on my account?

No, there is not a cap on points.

What is the Cal Coast Cares Foundation?

The Cal Coast Cares Foundation is a non-profit foundation created by California Coast Credit Union to support education and education opportunities throughout San Diego and Riverside counties. The Cal Coast Cares Foundation is supported by the credit union and also fundraises to provide college scholarships and education grants for local teachers.

If I redeem my points for the Cal Coast Cares Foundation, does the money come from my account?

There is no money taken from your account for this reward. Cal Coast makes the donation to the charity.

If I select Cal Coast Cares Foundation as my reward, can I claim the donation when preparing my taxes?

No, you will not receive any tax benefit for this donation.

If I have multiple direct deposits, will I earn points for every direct deposit I have?

No, this is limited to one reward of 15 points per month, per primary accountholder.

Can the Loyalty Rewards certificate bonus be combined with other bonus offers?

No. Bonus rates offered by accounts or as promotions cannot be combined with the Loyalty Rewards certificate bonus.

Do I have to redeem points in person? Or can I redeem them online or over the phone?

You can redeem your points in the branch or over the phone.

What if I change my mind about my redemption?

Point reversals must be requested and performed the same day the redemption is performed.

Will I receive a receipt or print-out to show proof of the redemption?

You will not receive a receipt for the redemption. The redemption will display on your statement. You will also see the redemption in your transaction history in online and mobile banking. You can also request a print-out of your Loyalty Rewards activity.

Can anyone on the account redeem points?

Yes, any account holder can redeem points.

If I have multiple accounts with debit cards, will the points be calculated across multiple accounts?

Yes, point accumulation will be done across all accounts with the same primary Social Security number.

Will I receive points every month for receiving eStatements?

Yes, you will receive 10 points each month you are signed up for eStatements.

How come I don’t see my Loyalty Rewards points when I am logged in to my account on my mobile device?

It is possible the device doesn’t have the most current version of the app loaded. Download the current version and this should resolve the issue.

I am enrolled in the Family Rewards program. Can I be in the Loyalty Rewards program as well?

If you are enrolled in the Family Rewards program, you do not qualify for Cal Coast Loyalty Rewards. You can opt out of the Family Rewards program to start earning Loyalty points. If you opt out of the Family Rewards program, you cannot opt back in.

Is it better to be enrolled in Family Rewards or Loyalty Rewards?

You can ask a Cal Coast representative to review your account history and make a recommendation.

I had a point adjustment this month. Why can’t I see the updated points?

Adjustments are uploaded to the rewards system once monthly and will display after the monthly refresh on the 27th of the month.

Cal Coast Mobile

Cal Coast Mobile


How to enroll in Mobile Banking

Send Money FAQs


What do I need before I enroll in Cal Coast Mobile banking?

To use Cal Coast Mobile, you must know your username and password for Cal Coast Online banking, and have a valid email address on file. If you aren't enrolled, you can enroll right now by clicking on the "Sign Up" link at the top of our home page at www.calcoastcu.org.

How do I enroll
  1. Visit http://m.calcoastcu.org from your mobile browser. Select Mobile Banking and log in using the username and password you use for Cal Coast Online banking.
  2. Next - check your email to retrieve a one-time, 4-digit PIN and enter it on the mobile site.
If I don't have a data plan, can I use mobile banking?

Yes, if you have a phone that accepts text messages. You can enroll in Text banking (SMS) banking through your PC. Text messages on your cellular phone may incur a charge from your cellular phone service provider. Check with your cellular carrier for details.

How do I enroll if I don't have a browser-capable phone?

You can enroll in text banking (SMS) through your PC.

  1. Visit http://m.calcoastcu.org from your PC. Select Mobile Banking and log in using the username and password you use for Cal Coast Online banking.
  2. Next - check your email to retrieve a one-time, 4-digit PIN and enter it on the mobile site.
  3. Select "SMS" settings and enter your mobile phone number and other requested information and follow the instructions.
Which devices can I use on http://m.calcoastcu.org?

iPhone®, iPad®, iPod® Touch, Android™, Windows Mobile, BlackBerry, PalmOS Treo phones and Java applications are supported. If your mobile device is eligible to download an app, a message will appear on your phone that says "For a richer experience, download the mobile app to your phone." Just click or touch download.

Why do I need a one-time PIN when I first log in?

To ensure security, a one-time PIN is sent to your email address on file. The combination of your username and password and the one-time PIN ensures that the person logging in is really you.

Behind the scenes, a unique ID is generated on the system whenever you log in for the first time from a new mobile device or application. The one-time PIN and unique ID must match for you to be allowed into Cal Coast Mobile. You do not need to know the unique ID, just your one-time PIN.

You only need your one-time PIN the first time you log in from a new device or application. The next time you log in, you won't need it any more. After the first log in, just use your regular username and password without the one-time PIN.

What happens if I get locked out of mobile banking?

You'll need to call California Coast Credit Union's Member Service Center at (877) 495-1600. For security reasons, you can't reset your password in mobile banking.

Is mobile banking free?

Yes, Cal Coast Mobile is one of the many electronic services available to you at no cost thru Cal Coast Online. Depending on your cellular plan, you may incur charges for web access or sending text messages. Check with your cellular carrier for details.

Is mobile banking secure?

Data transmitted via Cal Coast Mobile is protected by SSL (Secure Sockets Layer) encryption technology to provide the highest level of security available for phones. This encryption process converts data into unrecognizable data so if it were to be intercepted and recorded, no sensitive information could be retrieved.

Can I view all my accounts with Cal Coast Mobile?

Any accounts that can be viewed through Cal Coast Online can also be viewed through Cal Coast Mobile.

Can I view my transaction history?

Yes, you can view your transaction history through the mobile web browser and a downloadable app. Or, if you are registered for text banking, simply text "H" to the short code 86020.

Can I view my pending transactions?

Yes. Pending transactions are displayed in your transaction history, above non-pending transactions. Pending transactions will have the word "Pending" displayed before the transaction.

How current is my balance information?

Your account information can be viewed in real-time through Cal Coast Mobile however your balance may not reflect any transactions that haven't been posted to your account.

Can account information be intercepted during transmission?

Data transmitted via Cal Coast Mobile is protected by SSL (Secure Sockets Layer) encryption technology to provide the highest level of security available for phones. This encryption process converts data into unrecognizable data so if it were to be intercepted and recorded, no sensitive information could be retrieved.

Does my wireless carrier support mobile banking?

Cal Coast Mobile is supported by following carriers

  • Alltel
  • AT&T
  • Boost
  • Cincinnati Bell
  • Cricket
  • Metro PCS
  • Nextel
  • Sprint
  • Tmobile
  • US Cellular
  • Verizon Wireless
  • Virgin Mobile
What if my device is lost or stolen?

If you've lost your phone or device, please contact our Member Service Center at (877) 495-1600 to disable your account. For added security, mobile banking can't be used to transfer funds to any accounts outside of California Coast Credit Union.

Is my password stored on my phone?

For your security, California Coast does not store your password on your device. For additional security, be sure that your phone is not set to store user names or passwords that you type into it. Your account information is protected by your username and password combination. Do not share that information with anyone. For Quick Balance users, an encrypted password is required to be saved on the device.

Can I safely dispose of my device if it has my banking information on it?

Yes. Your account cannot be accessed without your user name or password. For added security, we recommend that all mobile devices should be "wiped" before they're disposed of or recycled. Check with the manufacturer or carrier for disposal and recycling information.

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Send Money – Powered by PayPalTM

What is “Send Money” and how does it work?

The Send Money feature, powered by PayPal, is located in the Cal Coast Mobile app and allows you to send money to almost anyone with an email address or mobile phone number. The money can be spent at thousands of online stores that accept PayPal. The money may also be transferred to a linked bank account (takes 2-3 business days for U.S. recipients). Member’s using Cal Coast Mobile are not required to have a PayPal account to send money.

Set up your payment by entering the recipient’s email address or mobile phone number.
PayPal sends a message to the recipient notifying them that their money is available. You’ll also want to notify the recipient that you’re sending them money through PayPal.
The recipient signs into their PayPal account to receive the money. If they don't have a PayPal account, they'll need to sign up.

The amount sent is withdrawn immediately from the funding account you select.

Does the recipient need to be a California Coast member?

No. The recipient doesn't need to be a California Coast member and they don't need to have an existing PayPal account. However, they will need to create or have a PayPal account to withdraw the funds.

Can I send money internationally?

Yes, over 190 countries accept PayPal. Money can be sent in 20+ currencies.  
See the list of countries and regions where PayPal is available. When sending over $15 to a recipient with a foreign mobile number or a non-U.S. currency PayPal account, the member will be able to preview the recipient’s fee before sending the payment.

Is it secure to send money using PayPal?

PayPal uses the highest levels of data encryption available. They also meet or exceed all Payment Card Industry data protection standards set forth by the major credit card associations. Visit PayPal to learn more about their security practices.

What is the minimum and maximum amount that can be sent?

There is no minimum
Maximum transfer amount -- $1,000 per transaction
Daily transfer limit -- $1,000 per day
Monthly transfer limit -- $10,000 in any 30-day period

Is there a fee to send money?

No, there is no charge for this service. Recipients may be charged a fee based on their PayPal account type.

Will the recipient be charged a fee?

PayPal may charge the recipient, depending on the type of payment the member sends and the type of PayPal account the recipient has. PayPal currently charges for payments made to purchase goods or services or for personal payments to recipients outside the United States. If PayPal charges a fee for a payment, the payment recipient is responsible for paying the fee.

How long does it take for the money to get to the recipient?

The funds will be transferred immediately if the recipient has an email address or mobile number registered on a PayPal account. If the recipient doesn’t have a PayPal account, or hasn’t linked their email address or mobile phone number, they’ll receive the funds as soon as they set up a PayPal account or link their email or mobile number.  Funds can be spent online at thousands of stores that accept PayPal or transferred directly to a linked bank account (takes 2-3 days).  

What can the recipient do with the money in their PayPal account?

The money can be spent at thousands of online stores including eBay that accept PayPal. The money may also be transferred to a linked bank account which takes 2-3 business days for U.S. recipients and may involve confirmation of small deposits.

If the recipient prefers not to spend the money online or transfer it to another bank account, they may request a check (usually takes 1-2 weeks for recipients in the U.S.).

Will I be notified that a Send Money transaction has been sent?

Yes. You’ll receive a confirmation email notifying you a transaction has been sent. The email will be sent to the primary email address on your Cal Coast account.

Will the recipient be notified that a Send Money transaction has been sent?

Yes, depending on the method the member used to send money, the recipient will receive an email or a text message.

Email: The email will be from the primary account holder’s member@paypal.com email address.

Text: The text message is sent from short code #729725

Where can I see the payment status, payment confirmation or if the payment has been claimed?

To view these details, sign into the Cal Coast Mobile app and go to the Send Money "Transaction History" screen.

Android users – From the main menu, click on “Send Money.” Select the Menu button (Select the Menu button on your device or tap the three vertical dots located in the top right-hand corner of your screen.) Next select “Transaction History.”

iOS users – From the main menu, click on “Send Money.” Then, select “Transaction History.”

How do I cancel a payment?

If the transaction is in a "Pending" status, you can cancel the payment. Sign into Cal Coast Mobile and go to the Send Money "Transaction History" screen to select and cancel your payment. Funds will be returned to your California Coast account within 10 business days after notice from PayPal.

Can I send money using PayPal if I only have the recipient’s mobile phone number?

Yes. Please make sure you have the recipient’s accurate mobile phone number.

What happens if the payment is sent to the wrong mobile phone number or email address?

The payment can be canceled, if it is in a "Pending" status. If the payment is in a "Completed" status, you’ll need to contact the person who claimed the payment to request that they issue a refund via PayPal.

Can a refund be initiated by the recipient?

After your payment has been completed, the recipient can refund the payment to you within 60 days of the original payment date. Funds refunded by the recipient will be returned to your account within 10 business days after notice from PayPal.

Personal payments can only be refunded in full. Commercial payments may be refunded in part or in full; the recipient can also issue multiple partial refunds.

What happens to unclaimed payments?

PayPal will return the unclaimed payment if the recipient's email address or mobile phone number is not associated with a PayPal account and the recipient doesn’t link to an existing PayPal account or open a new PayPal account within 30 days.

Funds not claimed by the recipient after 30 days will be returned to your account within 10 business days after notice from PayPal.

Can the member user Overdraft Protection, Courtesy Pay or Debit Card Courtesy pay to cover a Send Money PayPal payment?

No. These services can’t be used in conjunction with this Send Money service.

Can I save the recipient’s contact information in the Send Money service?

Yes. After you complete the payment, you’ll be prompted to save the recipient’s contact information.

Where will these transactions appear on my statements?

PayPal transactions will be found under the account you sent the money from—you’ll see the description "Mobile Banking PayPal Transfer."

What do I do if I see a PayPal transaction that I didn't initiate?

If you suspect that you're a victim of fraud or identity theft, contact California Coast Credit Union immediately at (877) 495-1600.

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Cal Coast Mobile Bill Pay

Cal Coast Mobile Bill Pay

How do I enroll?

iPhone, iPad, Android phones

First, enroll in Cal Coast Online. Then, download our free Cal Coast Mobile iPhone, iPad or Android app* and log in with the same username and password you use to log in to Cal Coast Online. You will be prompted to verify a 4-digit PIN sent to your email. Not enrolled in Cal Coast Online? Enroll right now by clicking on the "Sign Up" link at the top of the page.

Web enabled phones

  1. Enroll in Cal Coast Online then visit http://m.calcoastcu.org from your mobile browser. Select Mobile Banking and log in using the username and password you use for Cal Coast Online banking.
  2. Next - check your email to retrieve a one-time, 4-digit PIN and enter it on the mobile site.

Cal Coast Mobile Deposit

Cal Coast Mobile Deposit

What is mobile deposit?

Mobile deposit is a free and convenient feature in the California Coast Mobile banking app that allows you to deposit a check into your account using your mobile device and saves you a visit to the branch.

Is mobile deposit safe?

Absolutely! Check deposits made through Cal Coast Mobile are protected according to the highest financial industry standards. To prevent unauthorized access to your account, be sure to log out when you are finished.

Am I eligible to use mobile deposit?

To be eligible for mobile deposit, you'll need to meet the following requirements:

  • You must have an eligible California Coast account that's in good standing.
  • You must be enrolled in Cal Coast Online and Cal Coast Mobile
  • You must have a compatible mobile device with internet access and a camera

If you see a message on your device indicating that you're not eligible to use mobile deposit, please call a California Coast representative at (877) 495-1600.

How do I make a mobile deposit?

It's easy! Open the Cal Coast Mobile app, select mobile deposit and follow the prompts that are presented to you.

  1. Select the account to receive the deposit and enter the dollar amount
  2. Take a photo of the front and back of the endorsed check
  3. Review your deposit info and click submit to finish
How will I know if the deposit was successful?

After submitting images of the front and back of your check, you will receive onscreen confirmation that we've received your deposit.

Is there a fee to use mobile deposit?

No. Mobile deposit is part of our free Cal Coast Mobile banking service. Check with your wireless provider to determine if data and text messaging rates apply.

What should I do with the check after I deposit it?
  • After depositing your check, please write "Mobile deposit on MM/DD/YYYY" on the front of the check.
  • We recommended you retain any deposited check for 14 days. After the 14 days, you should securely destroy the check.
When will my account be credited?

After submitting images of the front and back of your check, you'll receive onscreen confirmation that we received your deposit. Your deposit will be reflected immediately, however, a hold may be applied at the time of your deposit. If your balance doesn't automatically update, you may need to refresh your screen, view transaction history, log out and then log back in to update your screen.

Is the money available immediately?

Your deposit will be reflected immediately; however, there may be a delay of availability before you can draw on those funds. An onscreen message will indicate if a check hold was applied.

Is there a limit on the amount or number of deposits I can make?

There's no limit to the number of deposits you can make each day as long as it doesn't exceed your individual daily limit and the 30 day limit of $10,000. You'll see your daily limit each time you make a deposit on your mobile device.

Where can I view the images of my checks?

Visit the History tab in Cal Coast Mobile to see which checks were deposited. Click on any transaction to see the details. This information will be available for 180. To view a copy of the check, visit online banking and click on the Checks link.

Why am I unable to deposit my check?

Below are a few common errors that may cause your check to be rejected:

  • Folded or torn corners
  • Image of the front of your check is not legible
  • Incorrect account numbers
  • Routing and account numbers are unclear
  • Image is too dark
  • Post-dated check
  • Daily deposit item count or dollar amount exceeded

If you're still having trouble with your deposit, please bring your check to any California Coast branch for deposit. If you need further assistance, please call us at (877) 495-1600.

Cal Coast Mobile Fingerprint Authentication

Cal Coast Mobile Fingerprint Authentication

What is Fingerprint Authentication?

Fingerprint Authentication allows you to quickly sign on to the mobile banking app by scanning your fingerprint instead of entering your username and password.

Which devices support Fingerprint Authentication?

Apple devices with fingerprint capabilities such as:

  • iPhone 5s and newer
  • iPad Pro and newer
  • iPad Air 2 and newer
  • iPad Mini 3 and newer

Samsung devices that support the Samsung Pass scanner such as:

  • Galaxy S5 and newer
  • Galaxy S6 Edge and newer
  • Galaxy Note 4 and newer
  • Galaxy Alpha and newer
  • Galaxy S5 Mini and newer

Please Note: Other devices are not supported at this time.

Can Fingerprint Authentication be used for multiple usernames?

You can use only one username at this time (the most recent username enrolled will work for Fingerprint Authentication).

How do I enable Fingerprint Authentication?

If you have one or more fingerprints registered on your device:

  • Open the Cal Coast Mobile App
  • Before signing on, tap the Fingerprint button
  • Enable Fingerprint Authentication
  • Read security message tap yes, and tap ok
  • Enter your password and sign in
  • For your security, you will be prompted to verify your fingerprint
Once enabled, how do I sign on with a fingerprint?

A fingerprint image will appear to the right of the Sign On button. Tap the image to sign on.

Why can’t I see the fingerprint button?

The button will only appear if Fingerprint Authentication is supported on your device (see supported devices above). If your device is supported, the Fingerprint button will appear after you sign in and out.

Is Fingerprint Authentication secure?

Fingerprint Authentication uses your device’s encryption technology to store both your fingerprint and password to the device. If enabled, any registered fingerprints on your device can be used to log into the Cal Coast Mobile App.

Does California Coast store my fingerprint?

California Coast does not store your fingerprint. The Cal Coast Mobile App uses your devices functionality to verify your fingerprint when you sign on.

Should I use Fingerprint Authentication if I share my device?

No. When Fingerprint Authentication is enabled, any fingerprint registered on your device can sign on to the Cal Coast Mobile App. If more than one fingerprint is registered on your device, we do not recommend using this feature.

What if I am having difficulty registering a fingerprint on my device?

Visit your devices settings or help menu. From there, follow the steps to troubleshoot registering a fingerprint.

What other ways can I secure my mobile device?

Secure your device with a screen lock. Many devices give you the option of locking your screen with a password after a few minutes of inactivity. It's a simple way to protect your device if you leave it unattended.

What should I do if I lose my device or my device is stolen?

If you've lost your phone or device, please contact our Member Service Center at (877) 495-1600 to disable Mobile Banking.

How do I disable Fingerprint Authentication?
  • Open the Cal Coast Mobile App
  • Before signing on, tap the Fingerprint button
  • Disable Fingerprint Authentication
  • For your security, you will be prompted to verify your fingerprint

Cal Coast Mobile Quick Balance

Cal Coast Mobile Quick Balance

What is Quick Balance?

Quick Balance is a new Mobile Banking App feature that allows you to view your account balances without even logging in. It’s great for those times when you just want to quickly see your available balance.

How do I enable Quick Balance on my device?
  1. Sign on to the Cal Coast Mobile App.
  2. Tap Accounts.
  3. Open Settings.
  4. Enable Quick Balance and select the accounts you’d like to view.
Once enabled, how do I access Quick Balance?

Simply tap the Quick Balance button on the Login screen. The selected account balances will appear. Quick Balance only works for one username. Multiple usernames cannot be enabled.

What information can I see in Quick Balance?

Available balances for the Cal Coast accounts you selected.

Can I complete transactions in Quick Balance?

No. You must sign on to the app to complete any transactions.

Is Quick Balance safe?

When using Quick Balance, transactions can’t be completed and account numbers are masked.

How can I secure my mobile device?

Secure your device with a screen lock. Many devices give you the option of locking your screen with a password after a few minutes of inactivity. It's a simple way to protect your device if you leave it unattended, even for just a few minutes.

Should I use Quick Balance if I share my device with someone?

No. We do not recommend using this feature if you share your device. When Quick Balance is enabled, any person with access to your device can view your selected account balances.
If Quick Balance is enabled, we recommend disabling it prior to sharing the device.

What should I do if I lose my device or my device is stolen?

If you've lost your phone or device, please contact our Member Service Center at (877) 495-1600 to disable Mobile Banking.

How do I disable Quick Balance on my device?
  1. Sign on to the Cal Coast Mobile App.
  2. Tap Accounts.
  3. Open Settings.
  4. Disable Quick Balance.

Cal Coast Online

Cal Coast Online

Login & Registration

Is my Cal Coast Online username and password secure?

Yes, your username and password are secure while they are being transmitted over the Internet.

How do I sign-up for Cal Coast Online?

Signing up for Cal Coast Online is easy! Simply click on the Sign Up link above and follow the instructions. As part of the quick registration, a temporary one-time passcode will be sent to the phone number on file. This passcode will expire in 10 minutes. For assistance, please contact us at (877) 495-1600 or visit a branch location.

What are the password requirements for Cal Coast Online?
  • Is case sensitive
  • Must not be the same as your account number or username
  • Must be between 8 and 20 characters long
  • Must contain at least 1 number
  • Must contain at least 1 letter
  • Must contain at least one special character !#$%^&?*+=
  • Must contain only letters, numbers and these special characters !#$%^&?*+=
How many invalid password attempts are allowed before I am locked out of Cal Coast Online?

If you enter more than 6 invalid login attempts, you will be locked out of Cal Coast Online. If you lock yourself out you must call our Member Service Center to be reset at (877) 495-1600.

Accounts

How do I add an asset or liability?

Under the "Accounts" tab sub-menu "Account Summary" located at the bottom of the page, you'll see "Assets and Liabilities." If they are not displayed, go to "Options" and click on "Show Assets and Liabilities." To add or remove assets or liabilities, click on the "Add" or "Edit" icon and follow the steps.

How can I change my account names?

Click the "Edit" icon to the left of the account you are viewing on the "Accounts Summary" page. Here, you can give it a nickname, make notes and set goals.

Can I show only specific accounts?

Yes. Click the "Edit" icon to the left side of the account you are viewing on the "Accounts Summary" page and mark the account as a favorite. Next, click "Options" on the main accounts screen and select "Show only favorite accounts." If they don't appear immediately, refresh your browser.

Alerts

How do I set up a customized alert?

To customize your alerts, click "eAlerts," then click on "Add Alert" in the secondary navigation row. Next, select the alert type, name your alert, and fill in the information needed including your email address or cellular phone email address (See "Can I receive alerts via text?" section below).

How do I remove an alert I no longer want?

Click "eAlerts," select the alert. From there, uncheck the "Email" and/or "Text" options to remove your email or cellular phone email address and then click "Save."

How often can I receive an alert?

You decide when you want to receive alerts. They can be sent to you throughout the day, in the mornings, as a weekly summary on Mondays, or as a monthly summary on the first of the month.

What alerts are available?

There are alerts for all sorts of scenarios. Click the eAlerts tab where you can create alerts for sign-ins, balance notifications, transactions, loan payments and more!

Can I receive alerts via text?

Yes. Click "eAlerts," Then select "Add Alert" in the secondary navigation row. Next, select the alert type, name your alert and fill in your email address or cellular phone email address.* Your cell phone email address is your 10-digit cell phone number @ your provider's address. See a few examples of provider addresses below. If your provider is not listed, please contact them directly.

Please do not enter any spaces, dashes or parenthesis when entering your cellular phone email address.

Example: 8585551212@vtext.com.

  • AT&T/Cingular (AT&T only offers email alerts at this time. All other carriers offer both email and text alerts.)    
  • Bell Atlantic
    [10-digit phone number]@message.bam.com
  • Bell South
    [10-digit phone number]@sms.bellsouth.com
  • Boost
    [10-digit phone number]@myboostmobile.com
  • Cellular One
    [10-digit phone number]@phone.cellone.net
  • Comcast
    [10-digit phone number]@comcastpcs.textmsg.com
  • Midwest Wireless
    [10-digit phone number]@clearlydigital.com
  • Nextel
    [10-digit phone number]@messaging.nextel.com
  • Qwest
    [10-digit phone number]@qwestmp.com
  • Sprint
    [10-digit phone number]@messaging.sprintpcs.com
  • T-Mobile
    [10-digit phone number]@tmomail.net
  • US Cellular
    [10-digit phone number]@email.uscc.net
  • Verizon
    [10-digit phone number]@vtext.com
  • Virgin
    [10-digit phone number]@vmobl.com

*Some cell phones have character limits, so you may not see the entire content of the message. Check with your service provider to determine if data and text messaging rates apply.

Budgets & Reports

Can I download my budget to Microsoft® Excel?

Yes. Click "Budgets & Reports" then select "Budget" to access the "Download" link. This will save your data in a CSV file that can be used in programs such as Excel.

How do I view my spending using charts?

To view your spending breakdown for a particular month, just click on the pie chart icon at the top of the monthly columns. To view your spending over time for a particular category, just click on the bar chart icon next to each Category row.

How do I set specific accounts to include in my reports?

Go to the "Budgets & Reports" tab. From here you have a few options: 1) Use the drop down and choose which account you would like to be included. 2) Click "Set Which Accounts Participate in Reports" then mark or unmark your accounts. 3) You may also go to the "Accounts" tab and click the "Edit" icon next to each individual account and make the proper selections in that window.

How do I create a budget?

To set up a budget, simply click on Reports, Budget and then the "Suggest" link and a recommended budget will appear. To set your own budget, click on a Category, then Edit and input your "Allowance" for that category.

Can I add different categories to my reports?

Yes. Simply click "Categories" in the secondary navigation row under "Reports." Next, click the green circle with a "+" sign. When adding a category, don't use spaces in the category name.

How do I change the category of a transaction?

To change a category, click "Edit" next to the transaction. Here you'll be able to change the category as well as enter any notes you want regarding that transaction.

Why would I need to "Exclude Transfers?"

With this option, you can classify categories as well as see a more realistic picture of your income vs. expenses. You can exclude these transfers from the budgeting feature.

Card Control

How do I activate a card?
  • Sign into Cal Coast Online, click on the Card Control tab and you’ll see a list of “issued” and unblocked cards.
  • To activate your card, select “activate”
  • Retrieve a security one-time passcode which will be sent to your phone via call or text message. (This code will expire in 10 minutes.)
  • Enter the passcode and confirm the activation. Now your card is ready to be used.
How do I block a card?
  • Sign into Cal Coast Online, click on the Card Control tab and you’ll see a list of “issued” and unblocked cards.
  • Select the option to permanently block a lost/stolen card.
  • Retrieve a security one-time passcode which will be sent to your phone via call or text message. (This code will expire in 10 minutes.)
  • Enter the passcode and confirm the activation. Now your card is blocked.

Please note: If a card is blocked, the credit union will be unable to remove the block. A new card will be mailed to you within 7-10 business days. You also have the option to send a secure message through online banking, call (877) 495-1600, or visit a branch to order a new card.

How long does it take to activate my card?

The card is activated immediately.

How long does it take to block my card?

The card is blocked immediately.

Is it secure?

A One-Time Passcode sent to your phone by call or text message is required to confirm the activation or blocking of a card.

Can I unblock my card?

Not at this time. Once the card is blocked, a new card will be sent to you.

Do I have the option to order a new card?

Once an existing card is blocked, a new card is automatically ordered and sent to you by mail unless you call (877) 495-1600 or send a secure message through online banking requesting to pick up your new card at a branch near you.  

Is this feature also available in the mobile banking app?

It will be available in 2016.

Dashboard

What is a dashboard?

A dashboard is a place where you can personalize your Online Banking page to display your financial information the way you want it to appear. The customized page can display your account summary, transaction history, alerts or your travel, grocery, entertainment and designer shoe budgets and more. When you first select Dashboard, you will see there are four commonly used widgets. You can add or remove widgets and adjust the layout of your dashboard by clicking and dragging each widget.

What is a widget?

A widget is a mini web-application that allows you to customize your dashboard so you can view the information that you want to see most.

How can I add a widget?

On the Dashboard page select the "Add Widget" drop-down menu to see all the available widgets. Then choose the widget you'd like to add. Log in and check out all the widgets available to you now.

Can I move the widgets?

Yes, this feature allows you to place the widgets where they are most useful to you. Simply click on the widget and drag the widget by moving your mouse around the page. Unclick when you've found the perfect spot.

Can I delete a widget?

Sure. Just click on the "X" in the top right corner of any widget.

Forgot Password

How can I log in if I forgot my username or password?

On the sign in page, click the "Forgot Password" link and follow the instructions. A valid phone number is required.

If I change my password in Cal Coast Online, can I later re-use an old password?

Yes, however, as part of the security features, Cal Coast Online protects you by not allowing the usage of any of your last three passwords. Your password must be a minimum of eight characters with at least one number, one letter, case sensitive. A special character is required and you can use any of the following: ! # $ % ^ & ? * + =.

My Profile

How do I update my address?

Click "My Profile" and scroll down to "Profile-Home address info," click on the "Edit" icon to update address and click "Save."

How do I change my password?

Click on "My Profile," then on the link for "More Details." This is where you'll click "Edit" and enter your new password. Your password must be a minimum of eight characters with at least one number, one letter and case sensitive. A special character is required and you can use any of the following: ~ ! # $ % ^ & ? * + =.

If you're a first time Cal Coast Online user, you may go thru a quick registration and a temporary one-time passcode will be sent to the phone number which you've entered. This passcode will expire in 10 minutes. If you don't have a phone number, you may activate your online banking service by calling (877) 495-1600 or visiting a branch for assistance.

Can I change my username?

Yes. Click "My Profile," then click on the link for "More Details." Here, you'll click "Edit" and enter your new Username. Your username must be a minimum of six characters and can only contain letters and numbers.

How do I change my security phrase and picture?

Click "My Profile" and then select "More Details." This is where you can change your security picture, security phrase and security questions.

Can I change my timeout?

Yes. You can edit your timeout options in "My Profile" under "Profile-Sign In Info," then "More Details". Here, you can change your timeout according to the options available.

Can I view my sign in history?

Yes. Simply click "My Profile" and select the "Sign-In History" link that is in the secondary navigation row.

Security Passcode

What is a passcode?

A passcode is a unique, 6-digit code sent to a phone number or email address in your online account profile.

When will I need a passcode?

Passcodes will only be required at each sign in when we don’t recognize your computer or mobile device. For convenience, you may select the option to “Remember This Computer” so you don’t have to enter a passcode the next time you sign in. Please note, there are select services in Cal Coast Online which require passcode verification by text, or voice call each time they are accessed.

I have chosen to remember this computer. Why am I prompted to enter a passcode?

Your computer or mobile device will not be recognized if you delete browser cookies, use security software that automatically deletes cookies, use a browser that doesn’t accept cookies, your browser version changes, or you use a different browser. Please note, there are select services in Cal Coast Online which require passcode verification by text or voice call each time they are accessed.

Where and how will the passcode be sent?

A passcode at sign-in will be sent to any phone number or email address listed in the "My Profile" tab of Cal Coast Online by text, voice mail, or email. A passcode for other select services will be sent to any phone number listed in the "My Profile" tab by text or voice call only.

How do I use it?

When signing in, you’ll be prompted to enter the passcode after entering your username and password.  The passcode must be entered within 10 minutes of receipt to complete the sign-in process.

Do I need to keep the passcode?

No. Since each passcode is for one-time use, we’ll provide you with a new passcode each time one is required.

Why wasn’t I prompted for a passcode when signing in to my account?

If you’ve chosen the option to “Remember This Computer” in the past, and haven’t deleted the cookies on your browser since that time, you won’t be prompted to enter a passcode.

Should I choose to Remember This Computer?

Only select "Remember This Computer" if you are using a private computer, such as from your home or office. If you are using a public computer, then DO NOT select "Remember This Computer." Examples of public computers include: libraries, internet cafés and hotel computers.

Why didn’t I receive my emailed passcode?

Some email providers may mark the passcode email as spam and this may delay or prevent the email from being delivered to you. Check your spam folders and spam filter settings to correct this problem. The email is delivered from noreply@calcoastcu.org. For immediate access, you can use another passcode delivery method such as call, or text.

Why didn’t I receive my text passcode?

Make sure you’re not attempting to send a text message to a landline/fixed telephone. Landline/fixed telephones can’t receive text messages. Check with your mobile phone carrier to ensure you can receive text messages from SMS senders. Please note some mobile phone plans carry a restriction on receiving phone calls and/or text messages while roaming internationally.

Why would the passcode be required more than once in the same online session?

Requiring the passcode at sign-in and also when using other select services ensures a higher degree of account security.

Can the passcode be sent to an international number by text or voice?

Not at this time. We recommend using the email option in this instance.

Transactions

Can I view pending electronic transactions?

Yes. Select pending electronic transactions appear below the "Account Summary" title.

How do I search for a particular transaction?

Cal Coast Online uses a powerful search engine making searching for what you're looking for easier and faster. Click on "Transactions" in the submenu under "Accounts." Then, you can type in search words like specific merchants, dollar amounts, "over $100," the city you visited on vacation, gas, etc.

Can I search for a specific payee?

Yes. Simply click on the logo for that payee/merchant, or type in the name of the payee/merchant in the search box. All transactions for that payee/merchant will be displayed.

How can I add a note to a transaction?

When you're in your transaction history, click on the "Edit" icon next to the transaction. Now you can add notes and denote the category for that transaction. Then refresh your browser.

How do I add categories to my reports?

Yes. Simply click "Categories" in the secondary navigation row under "Reports." Next, click the green circle with a "+" sign and enter your information. Then refresh your browser.

How do I edit the category for a transaction?

To change a category, click on the "Edit" icon next to the transaction. Here you'll be able to change the category and add notes to the transaction for future reference. Then refresh your browser.

How do I request more information about a transaction?

Simply click on the envelope icon next to the transaction. Complete the form and your question will be forwarded to our support team.

How can I turn off or turn on merchant logos?

Under "Transactions," click "Options" on the left side of the screen towards the top of your transactions. Check or un-check "Detail View."

Transfers

How do I set up a recurring transfer?

Under "Transfers," select "Scheduled Transfer" and the "Add a Scheduled Transfer." Enter the amount you wish to have transferred, choose the account the money is coming from, the receiving account and the frequency.

Are transfers instant?

Absolutely. You'll receive immediate credit for any transfers performed on your account.

How do I make a payment to a loan or credit card?

Under the "Loans" tab, go to the sub-menu "Loan Payments," choose the type of loan payment you'd like to make from the secondary navigation row.

Miscellaneous

How can I turn off or turn on Detail View?

Under "Transactions," click "Options" on the left side of the screen towards the top of your transactions. Check or un-check "Detail View."

How can I turn off or turn on merchant logos?

Under the "Account Tab" click on the sub-menu link for "Transactions," then click on "Options" located on the left side of the screen. Check or un-check "Detail View" to view or not view the merchant logos.

How do I use Search?

Cal Coast Online uses a powerful search engine making searching for what you're looking for easier and faster. At the top of the accounts page there is a search box. You can use this to search for transactions across ALL of your accounts.

For example, if you clicked on Transactions in the submenu under "Accounts and typed in "ATM" and clicked Search, you will find all transactions (in all accounts) that contained the text ATM. Or you can click on a specific account and enter your search information. If you type in "over 50" and clicked Search, you will find all transactions over $50. You can also search by specific merchants, dollar amounts, "over $100," the city you visited on vacation, gas, etc.

How do I print a copy of a check?

Go to the "Transactions" tab and select the check you are looking for and click "View Check," which will be located under the transaction. Select the "Print Check" link located in the upper right corner.

Where can I find important disclosures about Cal Coast Online, Service Charges, Privacy, etc?

Click on the "eDocuments" tab and then "Disclosures" in the secondary navigation row.

Check Images

Check Images

When I click on Check Images, nothing comes up

You will need to disable your Pop Up blockers. Usually this option is near the top of your browser window or in your internet options. Only one pop up can be viewed at a time. Visit Google for more information on how to disable Pop Up Blockers on your computer or device or call (877) 495-1600 for assistance.

Can I see check images directly from eStatements?

Check images can be accessed from your Cal Coast Online history.

Where is account history located?

From within Cal Coast Online, click on the account you would like to view under the Account Summary tab.

Coast Money Manager

Coast Money Manager

What is Coast Money Manager?

Coast Money Manager is a powerful online personal money management tool that combines all your financial data from all your financial institutions -- all in one place. Coast Money Manager gathers and categorizes all of your money and is located in online and mobile banking.

What can I do with Coast Money Manager?
  • View balances and manage all your financial accounts in one place (checking, savings, credit cards, investments and retirement accounts like your 401(k)
  • Track spending and have your transactions automatically categorized and organized
  • View insightful budget reports & visualizations
Where is the old budgeting tool?

The old budgeting tool is available in Cal Coast Online Banking, “Budgets & Reports” tab under “Coast Money Manager Special Message.” You may edit categories and view your old budget and reports. Please Note: The old budget and reports will be available until January 12, 2017.

How do I get started with Coast Money Manager?

Coast Money Manager may be set up in either Cal Coast Online or Cal Coast Mobile.

  • Cal Coast Online- Log in and click on the “Budgets & Reports” tab
  • Cal Coast Mobile App
  • Sign on to the Cal Coast Mobile App
  • Tap Coast Money Manager
  • This will bring you to the store where you can download and install the Coast Money Manager application
  • Once installed, sign on to Coast Money Manager using your Cal Coast Online username and password. Tap settings to set your 4-digit PIN.
  • To access Coast Money Manager after initial set up, sign on to the Cal Coast Mobile app, and tap Coast Money Manager. An additional input of the username and password will not be necessary.

Please Note: When first using Coast Money Manager only 90 days of Cal Coast transactions will display

How can I get help?

Click on the “?” icon in the navigation bar to open the help options.

ACCOUNTS

How do I add accounts?

Open the Accounts View, click on ‘+Add an Account’ in the sub navigation bar, then type the name of your institution to search the Coast Money Manager database. Next, search or select the correct option from the list and enter your user name and password. If the institution is not supported, you can add and manage these accounts manually and periodically edit your account to update the balance.

How do I edit accounts?

You can open the Accounts View and click on the account you wish to edit, from there you can change an account name, type and interest rate. You can also edit the account balance of manual accounts.

How do I delete an account?

Open the Accounts View, click on the account to delete and then click on the trashcan icon. You cannot delete an account from your Cal Coast membership, but you can exclude a Cal Coast account by clicking on ‘Exclude from App’ in the Transaction Detail view. Please Note: Deleting an account deletes all historical balance and transaction data associated with that account. To keep, simply adjust the Show/Hide account settings for the account.

Can I recover transactions or information from deleted accounts?

No, once an account has been deleted, the transactions and other data from the account cannot be recovered. If you delete an institution, all accounts under that institution will also be deleted.

How do I fix an account that has a red exclamation point?

In Accounts View, click on the account to open the account detail view, then click on the red warning message in the Link Status section.

If you are still having trouble:
  1. Sign in to your financial institution’s online banking platform to verify that your login credentials are correct and that there are no holds on the account preventing you from signing in.
  2. Add the account again, but pay special attention to the URL to make sure you are attempting to add the correct financial institution.
  3. Contact Coast Money Manager for support. See “How can you get help?”
I can see loan details, such as original balance and interest rate, for my Cal Coast accounts. Why don’t I see details on my other accounts?

Not all institutions are able to send us details. You should always check your loan details in Coast Money Manager to make sure they are correct.

Why can’t I import some accounts?

Not all accounts are compatible with Coast Money Manager. However, when an unsupported institution is encountered, a manual account can be created in the Accounts View.

Can I add an account in Coast Money Manager that isn’t supported for automatic download?

Yes. Open the Accounts View and click on ‘+Add an Account’ in the sub navigation bar. Choose the account type and enter account details, then click ‘Save It’. Please Note: You will need to update this account manually by updating the balance and entering transactions periodically.

How do I add an asset, such as home or vehicle, to balance loans in net worth?

You can create a manual account by doing the following:

BUDGETS

How do I create budgets?
  1. Select ‘Accounts’ from the top navigation bar
  2. Click on ’+Add an Account’ from the sub navigation bar or choose an account type from the bottom left menu to add
  3. Click on ‘Add a Manual Account'
  4. Enter the current balance for the asset
  5. Enter an account name Select Property as the account type
  6. Click on Create this Account
  7. The Budgets View can help you track and control your spending in select budget categories. Use budgets to track all of your regular household expenses or just specific categories.

DEBTS

How do I budget for paying off debt?

If you are working on paying off a credit card, we recommend that you create a custom subcategory to track your progress, such as Bills & Utilities: Credit Card Payoff. This will allow you to see in Spending and Budgets views how much you have spent towards paying down that debt.

SECURITY

Is financial data safe in Coast Money Manager?

Absolutely. Industry leading encryption technology is used to protect your data. Coast Money Manager places your privacy and security as its highest priority. If you use Coast Money Manager on your mobile device, tap settings to set your 4-digit PIN.

SETTINGS

What alerts are available through Coast Money Manager?

None. Alerts are only available through the eAlerts tab in Cal Coast Online Banking.

SPENDING

How do I use the spending wheel?

The Spending View displays spending across all categories for the time period selected. Click on a category from the list, or in the wheel, to see subcategory spending. Then click the center of the wheel or from the list to view the specific transactions in the selected subcategory. Please Note: Transactions must be categorized for the Spending Wheel to show actual spending. If spending in a given category looks wrong, review the transactions for inaccuracies.

TRANSACTIONS

How do I add a transaction?

Manual transactions can only be added to manual accounts. Transactions associated with linked accounts will be automatically imported at sign in. To add a manual transaction, open Transactions View and click on ‘+ Add Transactions’ in the sub navigation bar.

How do I edit a transaction?

To categorize a transaction, you can click on the category field on the transaction line and select from the dropdown menu. You can also edit other transaction details like payee description, tags, flags and memos.

Why is the category of a transaction different in Coast Money Manager than Online Banking?

Coast Money Manager uses a more advanced technology to categorize, classify and cleanse all transactions than the old budgeting tool which will soon be discontinued.

How does Coast Money Manager categorize transactions?

Transactions are auto-categorized based on how you and other users have categorized similar transactions. When you change a transaction category, Coast Money Manager will remember the preference for next time.

How can I save a tag?

Type the name of the tag and then hit ‘ENTER’. For pre-set tags, hit the down arrow on your keyboard to select the tag and then hit ‘ENTER’.

How can I manage my transactions?

Select Transactions View to review or find transactions from any account, over any time period. The date range selector displays the time frame the transactions represent. Use the search field to filter by payee, account, tags, amount, category or date.

How far back does Coast Money Manager save transaction and budget history after adding an account?

Coast Money Manager will save your history for as long as you keep your account with Cal Coast.

How do I create a category?

Click on the transaction to open the transaction detail view, then click on the category field to view existing categories. You can create a custom subcategory beneath any of the main categories, but you cannot create a new main category. Hover over the main category that the custom subcategory will belong to, then click on ‘Enter a New Sub-Category’ in the side menu. Name the subcategory and click ‘+’ to confirm.

How do I categorize loan payments and transfers?

There is a special category called Transfer for loan payments and transfers which will exclude those transactions from Spending and Budgets.

Why do loan payments show as two transactions?

All loan payments have two transactions: the negative transaction of money leaving your bank account, and the positive transaction of money paid towards the debt, decreasing what you owe. Please Note: Credit cards are different because there is no asset associated with the debt. A credit card payment is repayment for money borrowed on transactions already accounted for in your budget.

TRENDS

What does the Trends chart represent?

Each color in the chart corresponds with the category colors in the spending wheel. Hover over any category to view the exact amounts spent month to month over time. Click a color to see subcategory spending, or click a circle to view transactions for that month.

MOBILE FAQs

Is a separate Cal Coast app required?

Yes. The Coast Money Manager app must be stored on the device, however, once you download and sign into the app the first time, then the next time you only need to click on the Coast Money Manager button in Cal Coast Mobile to access Coast Money Manager.

How do I set my security settings?

To add additional security to the Coast Money Manager app sign-in process, you have the option to activate a 4-digit PIN number (app lock PIN) for each subsequent access. To activate the app lock PIN, the Coast Money Manager app settings and select a 4-digit PIN number. If you lose your mobile device, call Cal Coast immediately.

Are there some services that are not available in the app?

The mobile app does not have Trends, Debts, and Goals. These features can be accessed in online banking.

Which devices are supported?

Coast Money Manager is available for iOS and Android devices.

How do I get help?

To get help from an Android or iOS device, you can navigate to Settings and tap on ‘Support’. The Coast Money Manager Support Team will respond by email to you.

Computer & Security

Computer & Security

Is Cal Coast Online secure?

Yes. Cal Coast Online uses the most advanced Internet security systems available. The information is encrypted and encoded for the highest level of security. The multi-level login is another safeguard against unauthorized users accessing your data. All information is transmitted to our Cal Coast Online server using Secure Socket Layers (SSL). SSL is an Internet protocol which encrypts data transmitted over the Internet. We use 128-bit SSL encryption to ensure the highest level of security.

Do I need special software to access Cal Coast Online?

All you'll need is a computer or mobile device with internet access, a web browser that supports secure socket (SSL) encryption, and a valid email address.

Click on your browser or follow the instructions below to update your browser now.
To find out which browser you are using, go here.

For the best user experience, we recommend current versions of Internet Explorer, Chrome, Safari and Firefox.

Do I need to update my browser in order to use the California Coast website and Cal Coast Online?

Maybe. For the best user experience, we recommend using current versions of Internet Explorer, Chrome, Safari and Firefox. We don't recommend "beta" or test versions of any browser because of unpredictable results or and security issues. If you need to upgrade your browser, check your software documentation or publisher's website.

If using Internet Explorer, version IE 9 or higher is required. Windows XP users will need to use a browser other than Internet Explorer.

When I sign in, I cannot see anything on my account?

You will need to disable your Pop Up Blockers. Usually this option is near the top of your browser window or in your internet options. Only one pop up can be viewed at a time. Do an internet search for more information about how to disable Pop Up Blockers on your specific browser.

Why would I need to turn off Pop Up Blockers?

You must disable pop up blockers in your browser or firewall to use eStatements and Check Images in Cal Coast Online. If you're having difficulty accessing eStatements, or Check Images in Cal Coast Online, your pop up blocker may be enabled. Disable your pop up blocker. You may have the choice to disable pop up blockers only for Cal Coast Online, while keeping them enabled for all other web sites. Do an internet search for more information about how to disable Pop Up Blockers on your specific browser.      

Why do I have to have cookies enabled?

California Coast Credit Union uses cookies to keep track of who you are during your Cal Coast Online session. Cookies help us to ensure that we are only transmitting information to the computer that originated the Online banking session. If you have cookies disabled on your browser, you will not be able to access the Cal Coast Online product.

Credit Cards

Credit Cards

What is EMV?

EMV stands for Europay, MasterCard and Visa and is a global standard for credit and debit cards equipped with microchip technology to authenticate chip card transactions.

Why the transition to EMV and how does it work?

EMV chip technology is already utilized worldwide and has become the international standard in card security. It’s safer to use because the EMV chip in your card produces a single-use code with every transaction at a chip-enabled terminal. The code is used to validate the purchase and protect your card from unauthorized use.

Using your chip card at a chip-enabled retail terminal or ATM
  • Step 1: Insert your card “chip first” into the terminal. With chip transactions, your card remains in the terminal throughout the transaction.
     
  • Step 2: Follow the prompts on the terminal and wait for the transaction to be processed (you may be required to enter your PIN or sign to complete the transaction).
     
  • Step 3: Upon completion of your transaction the terminal will prompt you to remove your card.
When will California Coast provide members with chip-enabled EMV credit and debit cards?

California Coast is currently working toward a transition to EMV chip-enabled technology for our credit and debit cards. The transition to EMV chip-enabled credit cards will begin in June 2016. We anticipate issuing EMV chip-enabled debit cards to members in September 2016.

For more information on using chip-enabled terminals, watch this video.

eBills

eBills

What is an eBill?

California Coast's eBills make paying bills efficient and easy. eBills are electronic versions of your paper bills delivered to you through Bill Pay. With eBills, you won't need to wait for a paper statement because your bills will appear inside Bill Pay along with their amounts due, due dates and other details. And, it all happens on one secure website, so you don't have to visit multiple biller websites.

eStatements

eStatements

Where can I view my eStatements in Cal Coast Online?

To view your eStatements, click "eDocuments" tab and select "eStatements" in the secondary navigation row.

How do I change from paper statements to eStatements?

When inside Cal Coast Online, go to My Profile, select eStatements Options and eStatements Only. Please provide a valid email address.

How many eStatements will I have access to in the new eStatements system?

Your eStatements will be stored for up to 18 months.

Why can't I view my eStatement?

Your eStatement appears in a separate window within Cal Coast Online. If you have the pop-up blocker enabled on your browser, you will not be able to view your eStatement. To correct the problem, modify your pop-up blocker to allow pop-ups from www.calcoastcu.org.

If I have eStatements, where can I view promotions that are normally mailed in my paper statements?

Click "eDocuments" tab and select "Statement Inserts" in the secondary navigation row.

Miscellaneous

Miscellaneous

How much does Cal Coast Online cost?

This easy-to-use, powerful tool is FREE!

Why would I need to turn off Pop Up Blockers?

You must disable pop up blockers in your browser or firewall to use Cal Coast Online Bill Pay and Check Images. If you're having difficulty accessing Bill Pay Check Images in Cal Coast Online, your pop up blocker may be enabled. Perform an internet search on how to disable Pop-Up Blockers on your device. You may have the choice to disable pop up blockers only for Cal Coast Online, while keeping them enabled for all other web sites.

What is the California Coast Routing Number

The Cal Coast routing number is 322281578.

If you're still having challenges after using these tips, please call California Coast's Member Service Center at (877) 495-1600.

Ordering New Checks

Ordering New Checks

How do I order new checks?

For first-time orders and to reorder checks, contact California Coast for the correct routing information at (877) 495-1600.

Secure Email

Secure Email

Why would I need to use secure email?

Regular email isn't a private conversation and can be easily intercepted and read by unauthorized parties. Secure emails are another way California Coast is taking responsibility to protect members' personal private information while providing the convenience of being able to quickly transfer personal information and exchange financial documents.

Is this the most secure way to send personal information to the credit union?

California Coast secure emails are very secure. The preferred way to securely send a message to California Coast is through the Cal Coast Online's Message Center in online banking.

If I received a notification that a secure email was sent but never received it,
what should I do?

Please check your "SPAM" or "Junk Mail" folder. If the secure email isn't there, contact California Coast at (877) 495-1600.

How do I know that an email was sent securely?

Once you have received an email through California Coast's Secure Email Center, that email string remains encrypted. And, you'll know your email was secured when you see the message below.

"This message was secured by ZixCorp©" 

What if I forget my password?

If you've forgotten your password, you can do a self-serve reset at the Secure Email Center.

What if I receive an error message when I try to sign in?

If the error message is about your email address and/or password, click the "Forgot your password?- "Reset" button at the Secure Email Center.

When does my secure email password expire?

Your password will expire every 90 days.

How long will a secure email be available?

Your email will be available for 14 days. If the message has expired, it is no longer available. Due to the security of the Secure Email Center, the sender of the email must resend the email.

Can I send large file attachments?

Yes, you may attach as many as 10 files up to a total of 10MB. The total size of the entire email cannot exceed 10 MB.

What should I do if I have questions?

If you need assistance, please contact California Coast Credit Union at (877) 495-1600

We always have your best interest in mind. It shows in everything we do.

Our members are our most valuable asset. That’s why everything we do — from the accounts, loans and rates we offer, to the personalized caring attention we provide — is designed to help you to achieve your goals.

Message from California Coast Webpage
Notice: Because there is a risk that information transmitted via Internet email could fall into the wrong hands, California Coast Credit Union suggests that confidential information, such as account numbers or social security numbers, not be transmitted via email. If this information must be stated please contact CCCU by phone or at your nearest office. Thank you. If you "Continue", the link will open a new email message in your default email program.

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By continuing, you will be leaving the California Coast Credit Union website. Please note that we are not responsible for the accuracy, security, or content of other websites. We encourage you to review the privacy and security disclosures of all websites you visit.

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