Checking

From basic to ultra and beyond.

Need a free and easy 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.

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Checking

FREE Checking
Extra Value
Checking
Ultra Performance
Checking
Dividend Checking
Free Debit Cards

FREE Checking with eStatements

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 checking account.

Easy does it!
  • Free access to 30,000 ATMs Nationwide
  • Unlimited check writing
  • Overdraft protection available
  • Courtesy Pay and Debit Card Courtesy Pay available
Plenty of FREE to go around!
  • Free branch transactions
  • Free California Coast ATM and CO-OP Network transactions
  • Free Platinum Debit MasterCard® purchases
  • Free Bill Pay
  • Free eStatements
Bank online and on the road
  • Free Cal Coast Online
  • Free Mobile Banking*
  • Free CoastLine Telephone Banking
Call to open your checking account today at (858) 495-1645.

 

Open a Checking Account Now!View Checking Account Rates

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A one-time $5 membership fee and savings account required.
*Check with your wireless provider to determine if data and text messaging rates apply.
Federally insured by NCUA.

 

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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 $3.95/month.  Here’s to checking accounts with benefits!       

The big picture
  • Free access to 30,000 ATMs Nationwide
  • Unlimited check writing
  • Overdraft protection available
  • Courtesy Pay and Debit Card Courtesy Pay available
Extra perks
  • Fraud Defender

We've partnered with one of the nation's most trusted names in identity theft protection to bring you Fraud Defender. If your identity is compromised or you suspect identity theft, a licensed and certified Fraud Specialist will serve as your personal advocate to restore your good name — no matter how long it takes. This also includes recovery for family, non-financial fraud coverage (such as medical and tax fraud) and up to $10,000 in related out-of-pocket expenses.*

Experts will continuously monitor your credit to keep you informed of any changes. Each year, you’ll also get access to a free credit report and credit score. Plus, we make it easy for you to request your additional free credit reports from the three major credit bureaus every year.

  • Credential e-Vault

Store your confidential information, including passwords, account numbers and passport information for safekeeping. Your credentials are securely stored and available on demand, and they can be monitored for added security.

  • ATM fee savings

We'll waive the fees on two withdrawals each month at ATMs outside our CO-OP® Network.**

  • Loan rate discounts

Apply for a consumer loan and receive special discounts—auto, boat, motorcycle, RV, and signature.

  • Loads of freebies

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 Banking††

Open a Checking Account Now!View Checking Account Rates

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

*Identity theft insurance underwritten by subsidiaries or affiliates of Chartis Inc. The description herein is a summary and intended for informational purposes only and does not include all terms, conditions and exclusions of the policies described.
**ATM fee waivers do not include those fees charged by banks outside the CO-OP network.
Members in good standing may receive loan rate adjustment upon funding. Excludes Visa 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. Federally insured by NCUA. To view full terms and conditions for the Fraud Defender program please click here.
††Check with your wireless provider to determine if data and text messaging rates apply.

 

ID Protection with Extra Value Checking

ID Protection with Extra Value Checking

Think Identity Fraud won't affect you?

Identity theft can happen to anyone, and it can come in all shapes and sizes. According to the FTC, there are more than 30 types of identity theft affecting millions of Americans each year.

California Coast is here to help.

Our Extra Value Checking comes with Fraud-Defender.

Fully Managed Identity Recovery—How It Works

The core ID protection component of our new Extra Value Checking is our Fully Managed Recovery services, administered by certified, professional Fraud Specialists. Our recovery services cover all types of identity theft including financial and non financial fraud such as medical fraud, bank and credit card fraud, government documents and benefits fraud, employment fraud and phone and utilities fraud.

Plus, if your identity theft event affects a family member, they are covered too. And family member benefits extend up to 12 months after death. Eligible family members include:

  • Spouse or domestic partner
  • Dependents under age 25 with the same permanent address even if they are in college or the military
  • Parents with the same permanent address living at home or in elder care (nursing home, assisted living, hospice, etc.)

Depending on your identity fraud event, your Fraud Specialist will take some or all of the following steps.

  1. Work with you to identify fraudulent activity, including credit report review and conduct additional research to determine the extent of the identity fraud.
  2. Place your fraud alerts with the three major credit bureaus.
  3. Assist you in completing an Identity Theft Affidavit and Declaration of Fraud to establish your rights as a victim.
  4. Activate credit monitoring during your recovery to help you watch for additional signs of abuse.
  5. Contact the Social Security Administration, U.S. Postal Service, Department of Motor Vehicles, and other applicable agencies to address any misuse of official documentation of your identity.
  6. Research and document all fraudulent transactions and false accounts or contracts signed with creditors, banks, utility companies, leasing agents, medical facilities, etc.
  7. Work with local and federal law enforcement to help stop the criminal or criminals who are using your identity.
  8. Enlist other recovery team members, professional investigators and legal advisors when necessary.
  9. Follow up to make sure wrongful activity is reversed and removed from your records.
  10. Provide 12 months of follow-up after your recovery is complete to be sure you stay recovered!

More ID protection features.

In addition, there are more identity fraud protection features available to you as an Extra Value Checking member.

  • Expense Reimbursement Insurance, $10,000 policy covers any out of pocket expenses a victim might incur while disputing identity fraud. This includes notary fees, lawyer fees, and others.
  • Continuous TransUnionSM credit monitoring for new or suspicious activity. If new activity occurs, an alert is sent via email and text message, allowing you to confirm whether or not the activity is fraudulent.
  • Access to your TransUnionSM credit report and score annually within your secure online account. Reviewing your credit report regularly will help keep you informed of any possibly fraudulent or mis-information.
  • Secure online storage with Credential e-Vault for up to 50 personal credentials, either financial or non-financial that you would need access to in the case of an emergency, home break-in, or natural disaster.
  • Internet Monitoring of your indicated credentials across thousands of non-indexed black market sites for suspicious activity. If new activity occurs, an alert is sent via email and text message, allowing you to confirm whether or not the activity is fraudulent.
  • Lost Document Replacement for important documents that have been lost, stolen or destroyed.

Open your Extra Value Checking today! Come in or call us at (877) 495-1600.


Terms for Identity Recovery Services

1.  Services are provided to eligible consumers as part of a group services agreement ("Group Plan") and will be extended to all Extra Value Checking account holders at the discretion of California Coast Credit Union and may be cancelled upon 30 days notice to the account holder.
2.  Services extend to named Extra Value Checking account holders and their spouse or domestic partner, dependents up to age 25 with the same permanent address (including students and military), any IRS-qualified dependents, and parents of the consumer with the same permanent address or in an elder care facility (nursing home, assisted living, or hospice). The services continue to provide coverage for up to 12 months after death.
3.  Services have no cash equivalent, are non-transferable, and non-cancelable (except in the event of termination of the Group Plan).
4.  Provider Services do not cover financial losses of any kind arising from the identity theft.
5.  Eligibility for recovery services is based on ID theft events that are discovered and reported to California Coast Credit Union on or after the effective date of the Group Plan.
6.  Identity Theft is defined as fraud that involves the use of a consumer’s name, address, Social Security number, bank or credit/debit card account number, or other identifying information without the knowledge of the consumer, and such information is used to commit fraud or other crimes.
7.  Recovery Services may be refused or terminated if it is deemed that the consumer or eligible family member is committing fraud or other illegal acts, making untrue statements, or failing to perform his/her portion of the recovery plan. Services will not be refused or terminated due to the complexity of a case.
8.  California Coast Credit Union and/or its service provider of the identity theft recovery services cannot be held responsible for failure to provide or for delay in providing services when such failure or delay is caused by conditions beyond its control.
9.  NXG AND ITS SERVICE PROVIDERS DO NOT PROVIDE CREDIT COUNSELING OR REPAIR TO CREDIT THAT HAS NOT BEEN AFFECTED BY FRAUD OR IDENTITY THEFT.
10.  Services are only available to residents of the United States. Identity recovery is only performed with agencies and institutions in the United States, or territories where U.S. law applies.
11.  Services are provided by Merchants Information Solutions, Inc., www.merchantsinfo.com, or an alternate Service Provider selected at the sole discretion of California Coast Credit Union.

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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

  • Free access to 30,000 ATMs Nationwide
  • Unlimited check writing
  • Overdraft protection available
  • Courtesy Pay and Debit Card Courtesy Pay available
  • Free branch transactions
  • Free California Coast ATM and CO-OP Network transactions
No cost, no charge, no kidding!
  • Free Platinum Debit MasterCard® purchases
  • Free Bill Pay
  • Free eStatements
  • Free Cal Coast Online
  • Free CoastLine Telephone Banking
  • Free Mobile Banking**
Earn more on your savings, save more on a loan payment!

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

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*Family 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.
**Check with your wireless provider to determine if data and text messaging rates apply. Federally insured by NCUA.

 

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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.
  • Earns dividends with $50 minimum balance
  • Free access to 30,000 ATMs Nationwide
  • Unlimited check writing
  • Overdraft protection available
  • Courtesy Pay and Debit Card Courtesy Pay available
Checking made easy—wherever you are
  • Free branch transactions
  • Free California Coast ATM and CO-OP Network transactions
  • Free Platinum Debit MasterCard® purchases
  • Free 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 Banking*

Open an Account Now!View Checking Rates

*Check with your wireless provider to determine if data and text messaging rates apply. Federally insured by NCUA.

 

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Platinum Debit MasterCard® 

Like an ATM card, only better!

Each California Coast checking account comes with a FREE California Coast Platinum 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!

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.

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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.

Simply the Best

Great customer service! Everyone is always so friendly and helpful here. I left another bank because of their fees and horrible customer service. I am so happy I made the switch.

2014

Jacquelyn M

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.

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