Checking

Need a free checking account? Something with a few more perks? Cal Coast gives you a choice of accounts — so you’re sure to find the one that speaks to you.

Checking

Checking Account
FREE Checking
Extra Value
Checking
Ultra Performance
Checking
Dividend Checking
Advanced Security Debit Cards

FREE Checking that Rewards You

Keep your money happy—and in your pocket.

What’s better than free? Nothing! Cal Coast is not-for-profit, so we put our money into serving you better. That's why we offer Free Checking with eStatements—an account that's truly free. Minimum opening deposit of $25 and no monthly maintenance fee on this free checking account.

Easy does it!
Plenty of FREE to go around!
  • Free branch transactions
  • Free California Coast ATM and CO-OP Network transactions
  • Free Debit Mastercard®
  • Free Online and Mobile Bill Pay
  • Free eStatements
Bank online and on the road
  • Free Cal Coast Online
  • Free CoastLine Telephone Banking
  • Free Mobile Banking1, Mobile Deposit, Bill Pay and Send Money, Powered by PayPal™2
Call to open your free checking account today at (858) 495-1645.

Open a Checking Account Now!View Checking Account Rates


A one-time $5 membership fee and savings account required.
1Check with your wireless provider to determine if data and text messaging rates apply.
2Maximum transfer amount is $1,000. There is no fee to use this service. The amount sent is withdrawn immediately from the selected account. To receive money, the recipient must have or open a new PayPal account. Recipients may be charged a fee based on their PayPal account type. Over 190 countries accept PayPal. 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. Money can be sent in 20+ currencies. See the list of countries and regions where PayPal is available. Funds will be transferred immediately if the recipient has an email address or mobile number linked to a PayPal account. Federally insured by NCUA.

Tell me more! Contact Me

Extra Value Checking

Your money’s a lot happier when it’s protected.

Extra Value Checking gives you so much extra for practically nothing—just $3.75/month. Here’s to checking accounts with benefits!1

The big picture
Identity theft protection and more!2
  • A personal Privacy Advocate standing by to research and resolve any identity theft issue that you may suspect, or evidence of identity fraud that you discover
  • Reimbursement for certain expenses incurred in recovering from identity theft up to $25,0002
  • ATM fee savings--we'll waive the fees on two withdrawals each month at ATMs outside our CO-OP® Network.3
  • Loan rate discounts--Apply for a consumer loan and receive special discounts—auto, boat, motorcycle, RV, and signature.4
Even More Perks!

Also included as part of your Extra Value Checking account is an entitlement for the primary accountholder to receive the following powerful proactive identity fraud monitoring services5 at no additional cost.

  • Annual Credit Report
  • Monthly Credit Score on Demand
  • Continuous Credit Monitoring
  • Dark Web Monitoring to store and monitor important credentials.

Extra Value Checking is loaded with lots of free features that make checking accounts—and your life—so much easier. Like free branch transactions, free California Coast ATM and CO-OP Network transactions, free Bill Pay and much more.

  • Free Platinum Debit MasterCard® purchases
  • Free eStatements
  • Free Cal Coast Online
  • Free CoastLine Telephone Banking
  • Free Mobile Banking6, Mobile Deposit, Bill Pay and Send Money, Powered by PayPal™7

Open a Checking Account Now!

To learn more about these valuable identity theft protection benefits and to register for the identity fraud monitoring services click here > http://calcoastcu.nxgstrategies.com/

Already have an Extra Value Checking account? Activate your account or login here.


1Minimum opening balance of $25. Maintenance fee of $3.75 charged monthly. Federally insured by NCUA.

2Identity theft insurance is underwritten by Lyndon Southern Insurance Company, a member of the Fortegra family of companies. The information provided is a program summary. Please refer to the Identity Theft Expense Reimbursement Evidence of Coverage forms for additional information including details of benefits, specific exclusions, terms, conditions and limitations of coverage. Coverage is currently not available to residents of the state of New York and may not be available in other U.S. territories or jurisdictions in the future.

3ATM fee waivers do not include those fees charged by banks outside the CO-OP network.

4Members in good standing may receive loan rate adjustment upon funding. Excludes credit card or Lines of Credit. Actual rate discount based on market conditions. Discount does not apply to promo rates or terms and cannot be combined with other offers. Subject to change without notice.

5MONITORING SERVICES ARE PROVIDED TO THE PRIMARY ACCOUNT HOLDER ON AN ENTITLED BASIS AND REQUIRE CONSUMER ACTIVATION BEFORE THE SERVICES ARE ACTIVE. Proactive Monitoring Services are applicable to individuals age 18 and older who have a valid credit file. Credit Services are provided by TransUnion®, subject to change. The credit score provided may not be consistent with the credit score model used by a lender, and therefore cannot be relied upon to determine creditworthiness for any particular loan opportunity.

6Check with your wireless provider to determine if data and text messaging rates apply.

7Maximum transfer amount is $1,000. There is no fee to use this service. The amount sent is withdrawn immediately from the selected account. To receive money, the recipient must have or open a new PayPal account. Recipients may be charged a fee based on their PayPal account type. Over 190 countries accept PayPal. 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. Money can be sent in 20+ currencies. See the list of countries and regions where PayPal is available. Funds will be transferred immediately if the recipient has an email address or mobile number linked to a PayPal account.

Tell me more! Contact Me

Ultra Performance Checking

Uber checking power!

An Ultra Performance Checking account really pays off with higher dividends, extra savings and a whole lot more. Enjoy checking convenience and liquidity, and special family bonuses. All it takes is just $1,000 to open the account. We'll waive the $20 monthly maintenance fee with a $15,000 daily balance.

Step up to dividends
  • Earn dividends with $2,500 minimum balance
  • Tiered rates for higher dividends
  • Bonuses, discounts and family benefits

Convenience to the max

No cost, no charge, no kidding!
  • Free Platinum Debit Mastercard®
  • Free Bill Pay
  • Free eStatements
  • Free Cal Coast Online
  • Free CoastLine Telephone Banking
  • Free Mobile Banking1, Mobile Deposit, Bill Pay and Send Money, Powered by PayPal™2
Earn more on your savings, save more on a loan payment!

With special family benefits, bonuses and discounts, you and your family3 can get a 0.15% bonus on select certificates and a 0.25% discount on select loans.

Open an Account Now!View Checking Rates


1Check with your wireless provider to determine if data and text messaging rates apply.

2Maximum transfer amount is $1,000. There is no fee to use this service. The amount sent is withdrawn immediately from the selected account. To receive money, the recipient must have or open a new PayPal account. Recipients may be charged a fee based on their PayPal account type. Over 190 countries accept PayPal. 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. Money can be sent in 20+ currencies. See the list of countries and regions where PayPal is available. Funds will be transferred immediately if the recipient has an email address or mobile number linked to a PayPal account. 

3Family benefits restricted to immediate family members. Family member must have an open, active checking account to qualify. Both your Ultra Performance Checking and your family member's checking must remain open and active for the length of the loan or certificate to continue receiving special rates. Bonuses not applicable to existing Certificate or loan accounts and new money is required. Ultra Performance checking bonuses and discounts cannot be combined together with other account discounts or with select special rate offers. Federally insured by NCUA.

 

 

Tell me more! Contact Me

Dividend Checking

Earn a little something on a little bit of money.

Don’t have a lot of money? Just getting started? Your money can still earn interest with Dividend Checking. A minimum opening deposit of $25 is required. We’ll waive the $8 monthly maintenance fee with a $1,500 daily balance.

The earnings—and convenience—add up in no time.
Checking made easy—wherever you are
  • Free branch transactions
  • Free California Coast ATM and CO-OP Network transactions
  • Free Platinum Debit Mastercard®
  • Free Online and Mobile Bill Pay
On the phone? Online? On the road? We’re here for you.
  • Free eStatements
  • Free Cal Coast Online
  • Free CoastLine Telephone Banking
  • Free Mobile Banking1, Mobile Deposit, Bill Pay and Send Money, Powered by PayPal™2

Open an Account Now!View Checking Rates


1Check with your wireless provider to determine if data and text messaging rates apply.

2Maximum transfer amount is $1,000. There is no fee to use this service. The amount sent is withdrawn immediately from the selected account. To receive money, the recipient must have or open a new PayPal account. Recipients may be charged a fee based on their PayPal account type. Over 190 countries accept PayPal. 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. Money can be sent in 20+ currencies. See the list of countries and regions where PayPal is available. Funds will be transferred immediately if the recipient has an email address or mobile number linked to a PayPal account. Federally insured by NCUA.

Tell me more! Contact Me

Debit Mastercard® 

Like an ATM card, only better!

Each California Coast checking account comes with a FREE California Coast Debit Mastercard®. It’s a “must-have” wherever you go—because it gives you 24/7 access to your cash and lets you make purchases wherever you see the Mastercard logo. Whether for cash on the go or for purchases, our card fraud protection program always protects you and your money! Plus, our new chip-enhanced debit card provides additional security.

Cash on the go.
  • FREE access to your cash at 30,000 CO-OP® ATMs. Plus, access your money at any ATM with the Mastercard, Maestro®, Cirrus, or PULSE® network logos.
More convenient than checks or cash.
  • Use it for all your everyday purchases instead of writing a check or carrying cash. The money is immediately deducted from your Cal Coast checking account.
An added level of protection.
  • Advanced security with EMV Chip Technology.
  • Your purchases are protected with Smart Shopper Benefits, like Extended Warranty Insurance, Price Protection and a Satisfaction Guarantee.

EMV Chip Technology

EMV Chip Technology

EMV chip technology has become the international standard in card security and we’re pleased to introduce this added layer of security on California Coast MasterCard® debit and credit cards. Chip cards have a microchip inside the card that provides users with increased protection against fraud.

 

How it works

The EMV chip in your card produces a single-use code with every transaction at a chip-enabled terminal to validate the transaction and protect your card from unauthorized use. Since your MasterCard has both chip and magnetic stripe technology, regardless of what type of terminal a merchant has, you’ll be able to use your card anywhere MasterCard is accepted.

 

Using your chip card at a chip-enabled retailer terminal or ATM:

  • Step 1: Insert your card “chip first” into the terminal. With chip transactions, your card remains in the terminal throughout the transaction.
  • Step 2: Follow the prompts on the terminal and wait for the transaction to be processed. At retail terminals, you may be required to enter your PIN or sign to complete the transaction. At ATMs you’ll be required to enter your PIN.
  • Step 3: Remember your card! Upon completion of your transaction you’ll be instructed to remove your card from the payment terminal.

 

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

Tell me more! Contact Me

Of course, your money is federally insured up to $250,000 by the National Credit Union Administration (NCUA). For added protection, you can obtain additional coverage on multiple accounts if you have different ownership interests or rights in different types of accounts.

Auto loans as low as 1.40% APR with Cal Coast Auto Buying Discount
Drive happy with Cal Coast's low auto loan rates!

Take advantage of our Cal Coast Auto Buying Discount for more savings!

Learn More

Easy Account Monitoring

I have used online banking since its inception. It has worked without problems and is a breeze to use. I can transfer monies between accounts, easily move money from savings to checking and back. And, the result is instantaneous. It has been a real lifesaver for sending money to my daughter in emergencies using the Send Money feature. She receives it within minutes into her own account thru PayPal.

The Bill Pay system works very well whether scheduling one-time or repeated payments and whether using my computer or iPhone, and it sends notifications when they're made. This system can send electronic direct deposits.

It's super easy to view deposits and withdrawals from my various accounts, including credit card charges, so monitoring and tracking my transactions is a piece of cake.

At home or on the road, it's you're viewing a live interactive bank statement. I highly recommend Cal Coast Online. And I've been a member for over 35 years!

Rkngranny

valued member

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.

Continue

×
Message from California Coast Webpage
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.

Continue

×