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!
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:
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.
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|
(*Paired only with iPhone 5 or newer)
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.
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.
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.
Note: If you’re not sure if the store uses contactless readers, just look for these icons shown below at checkout.
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:
Note: Home Equity Line of Credit credit cards are not eligible.
If you want to change your default card, click Settings > Wallet & Apple Pay and tap Default Card to choose a new card.
To remove a card, open Wallet and select the Remove Card Option.
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.
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.
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?
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.
No. The merchant never sees the card number. The last four digits of the Device Account Number will appear on the receipt.
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:
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.
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.
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.
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.
Log into Cal Coast Online and click on the Pay Bills tab. Once there, click the Help link for useful information about bill pay.
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.
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.
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:
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:
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.
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.
Once a month on the 27th.
The Loyalty Rewards Points will be deposited to your most active account.
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.
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.
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.
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.
No, there is not a cap on points.
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.
There is no money taken from your account for this reward. Cal Coast makes the donation to the charity.
No, you will not receive any tax benefit for this donation.
No, this is limited to one reward of 15 points per month, per primary accountholder.
No. Bonus rates offered by accounts or as promotions cannot be combined with the Loyalty Rewards certificate bonus.
You can redeem your points in the branch or over the phone.
Point reversals must be requested and performed the same day the redemption is performed.
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.
Yes, any account holder can redeem points.
Yes, point accumulation will be done across all accounts with the same primary Social Security number.
Yes, you will receive 10 points each month you are signed up for eStatements.
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.
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.
You can ask a Cal Coast representative to review your account history and make a recommendation.
Adjustments are uploaded to the rewards system once monthly and will display after the monthly refresh on the 27th of the month.
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.
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.
You can enroll in text banking (SMS) through your PC.
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.
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.
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.
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.
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.
Any accounts that can be viewed through Cal Coast Online can also be viewed through Cal Coast Mobile.
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.
Yes. Pending transactions are displayed in your transaction history, above non-pending transactions. Pending transactions will have the word "Pending" displayed before the transaction.
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.
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.
Cal Coast Mobile is supported by following carriers
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.
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.
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.
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.
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.
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.
Yes, over 190 countries accept PayPal. Money can be sent in 20+ currencies.
See the list of countries and regions where PayPal is available.
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.
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
No, there is no charge for this service. Recipients may be charged a fee based on their PayPal account type.
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.
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,they’ll receive the funds as soon as they set up a PayPal account . Funds can be spent online at thousands of stores that accept PayPal or transferred directly to a linked bank account (takes 2-3 days).
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.).
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.
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 firstname.lastname@example.org email address.
Text: The text message is sent from short code #729725
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.”
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.
Yes. Please make sure you have the recipient’s accurate mobile phone number.
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.
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.
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.
No. These services can’t be used in conjunction with this Send Money service.
Yes. After you complete the payment, you’ll be prompted to save the recipient’s contact information.
PayPal transactions will be found under the account you sent the money from—you’ll see the description "Mobile Banking PayPal Transfer."
If you suspect that you're a victim of fraud or identity theft, contact California Coast Credit Union immediately at (877) 495-1600.
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
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.
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.
To be eligible for mobile deposit, you'll need to meet the following requirements:
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.
It's easy! Open the Cal Coast Mobile app, select mobile deposit and follow the prompts that are presented to you.
After submitting images of the front and back of your check, you will receive onscreen confirmation that we've received your 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.
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.
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.
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.
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.
Below are a few common errors that may cause your check to be rejected:
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.
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.
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.
Available balances for the Cal Coast accounts you selected.
No. You must sign on to the app to complete any transactions.
When using Quick Balance, transactions can’t be completed and account numbers are masked.
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.
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.
If you've lost your phone or device, please contact our Member Service Center at (877) 495-1600 to disable Mobile Banking.
Yes, your username and password are secure while they are being transmitted over the Internet.
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.
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.
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.
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.
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.
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).
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."
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.
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!
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.
*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.
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.
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.
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.
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.
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.
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.
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.
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.
The card is activated immediately.
The card is blocked immediately.
A One-Time Passcode sent to your phone by call or text message is required to confirm the activation or blocking of a card.
Not at this time. Once the card is blocked, a new card will be sent to you.
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.
It will be available in 2016.
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.
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.
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.
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.
Sure. Just click on the "X" in the top right corner of any widget.
On the sign in page, click the "Forgot Password" link and follow the instructions. A valid phone number is required.
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: ! # $ % ^ & ? * + =.
Click "My Profile" and scroll down to "Profile-Home address info," click on the "Edit" icon to update address and click "Save."
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.
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.
Click "My Profile" and then select "More Details." This is where you can change your security picture, security phrase and security questions.
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.
Yes. Simply click "My Profile" and select the "Sign-In History" link that is in the secondary navigation row.
A passcode is a unique, 6-digit code sent to a phone number or email address in your online account profile.
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.
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.
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.
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.
No. Since each passcode is for one-time use, we’ll provide you with a new passcode each time one is required.
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.
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.
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 email@example.com. For immediate access, you can use another passcode delivery method such as call, or text.
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.
Requiring the passcode at sign-in and also when using other select services ensures a higher degree of account security.
Not at this time. We recommend using the email option in this instance.
Yes. Select pending electronic transactions appear below the "Account Summary" title.
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.
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.
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.
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.
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.
Simply click on the envelope icon next to the transaction. Complete the form and your question will be forwarded to our support team.
Under "Transactions," click "Options" on the left side of the screen towards the top of your transactions. Check or un-check "Detail View."
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.
Absolutely. You'll receive immediate credit for any transfers performed on your account.
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.
Under "Transactions," click "Options" on the left side of the screen towards the top of your transactions. Check or un-check "Detail View."
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.
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.
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.
Click on the "eDocuments" tab and then "Disclosures" in the secondary navigation row.
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.
Check images can be accessed from your Cal Coast Online history.
From within Cal Coast Online, click on the account you would like to view under the Account Summary tab.
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.
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.
For the best user experience, we recommend current versions of Internet Explorer, Chrome, Safari and Firefox.
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.
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.
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.
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.
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.
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.
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.
To view your eStatements, click "eDocuments" tab and select "eStatements" in the secondary navigation row.
When inside Cal Coast Online, go to My Profile, select eStatements Options and eStatements Only. Please provide a valid email address.
Your eStatements will be stored for up to 18 months.
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.
Click "eDocuments" tab and select "Statement Inserts" in the secondary navigation row.
This easy-to-use, powerful tool is FREE!
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.
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.
For first-time orders and to reorder checks, contact California Coast for the correct routing information at (877) 495-1600.
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.
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.
Please check your "SPAM" or "Junk Mail" folder. If the secure email isn't there, contact California Coast at (877) 495-1600.
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©"
If you've forgotten your password, you can do a self-serve reset at the Secure Email Center.
If the error message is about your email address and/or password, click the "Forgot your password?- "Reset" button at the Secure Email Center.
Your password will expire every 90 days.
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.
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.
If you need assistance, please contact California Coast Credit Union at (877) 495-1600
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.