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 TM

Apple Pay TM

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® or iPhone 6 Plus 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 and iPhone 6 Plus, iPad Air 2 and iPad mini 3 to make payments within participating merchant apps.
  • The Apple Watch is also accepted at participating in-store merchants. It can be paired with an iPhone 5, iPhone 5C, iPhone 5S, iPhone 6 or iPhone 6 Plus.
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
 iPhone6, iPhone 6 Plus  Yes  Yes
 iPad Air2, iPad Mini 3  Yes  
 Apple Watch*    Yes

(*Paired only with iPhone 5, iPhone 5C, iPhone 5s, iPhone 6, or iPhone 6 Plus)

Where can I use Apple Pay?

You can pay with Apple Pay within a participating merchant app, and use it at more than 220,000 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 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.
  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.
  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.

What cards can I add to Apple Pay?

Initially, Apple Pay will work with California Coast Visa® credit cards. You’ll want to set your default card to your California Coast Credit Union credit card.

This includes the following Visa credit card types:

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

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

Can I add my debit card to Apple Pay?

California Coast will be working with Apple to implement Apple Pay on debit cards and we anticipate it will be available later this year.

How do I add a credit card on an iPhone or iPad?
  1. On iPhone 6 or iPhone 6 Plus, open Passbook and tap  in the upper-right corner. On an iPad, tap Add Credit or debit Card.
  2. Add your credit 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 Passbook 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 credit card my default card?

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

How do I remove a card?

To remove a card, open Passbook 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 Passbook & 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 Passbook 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 Passbook, tap the card, and tap .  For an Apple Watch, open the Apple Watch app on iPhone, tap My Watch > Passbook
& 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 Passbook.
  • The last transaction you made with the device 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 Passbook 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.

 

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 to choose security questions, select a security phrase and picture. As part of the quick registration, a temporary one-time passcode will be sent to the email address which you've entered. This passcode will expire in 30 minutes. If you don't have an email address, you may activate your online banking service by calling (877) 495-1600 or visiting a branch for assistance.

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 one special character !#$%^&?*+=
  • Must contain only letters, numbers and these special characters !#$%^&?*+=
How do I change my security questions?

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

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.

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, password changes, balance notifications, ATM transactions, loan payments, statements 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.

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 email address 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, 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 "Profile-Sign In Info" and click 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, 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 email address which you've entered. This passcode will expire in 30 minutes. If you don't have an email address, 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 go to "Profile-Sign In Info" and 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 contain numbers.

How do I change my security questions?

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

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 to 5, 10, 20 or 30 minutes.

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.

Transactions

Can I view pending transactions?

Yes. Pending transactions, which include both debits and credits, appear on the main accounts page 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

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. Click on the "Budget" tab and then the "Exclude Transfers" link to view a particular budget without 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.

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 because only you know your username, password, and security questions. To take advantage of the increased security features, you'll need to update your email address in the "MyProfile" tab in Cal Coast Online. 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, Google Chrome, Apple Safari, Mozilla 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, Google Chrome, Apple Safari, Mozilla 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.

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 Pay 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.

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

Do I need to update my browser in order to use Cal Coast Online?

Maybe. For the best user experience, we recommend using current versions of Internet Explorer, Firefox, Chrome, Safari. We support IE9+, Firefox 3.5+, Chrome and Safari. 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.

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 Mobile

Cal Coast Mobile

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 for a one-time, 4-digit PIN. You'll need to add this 4-digit PIN to the end of your Cal Coast Online password to sign in to mobile banking for the first time only.
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 for a one-time, 4-digit PIN.
  3. Sign into Mobile Banking from your PC once more. You'll need to add this 4-digit PIN to the end of your Cal Coast Online password to sign in.
  4. Select "SMS" settings and enter your mobile phone number and other requested information and follow the instructions.
Which apps can I use?

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.

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 username or 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.

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.

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. 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 for a one-time, 4-digit PIN. You'll need to add this 4-digit PIN to the end of your Cal Coast Online password to sign in to mobile banking for the first time only.

How to enroll in SMS Text banking

Enroll in Cal Coast Online then enroll in SMS (text) banking 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 for a one-time, 4-digit PIN.
  3. Sign into Mobile Banking from your PC once more. You'll need to add this 4-digit PIN to the end of your Cal Coast Online password to sign in.
  4. Select "SMS" settings and enter your mobile phone number and other requested information and follow the instructions.

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.

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.

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.

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

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.

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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