Checking

From basic to ultra and beyond.

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 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 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® purchases
  • 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

Open a Checking Account Now!View Checking Account Rates

Send Yourself An Invite

 

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 The amount sent is withdrawn immediately from the selected account.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 $3.95/month.  Here’s to checking accounts with benefits!       

The big picture
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.1

Activate the ID Theft Protection service that's part of your Extra Value Checking account to receive alerts of changes to your credit file that could signal identity theft. Alerts can even be sent via text message for ease and rapid communication. 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.

If you already have an Extra Value Checking account, click here and click the red "Sign Up" button to activate your no-cost credit monitoring.

  • 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.2

  • Loan rate discounts

Apply for a consumer loan and receive special discounts—auto, boat, motorcycle, RV, and signature.3

  • 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 Banking4, Mobile Deposit, Bill Pay and Send Money, Powered by PayPal™5

Open a Checking Account Now!View Checking Account Rates

Open a Checking Account Now!View Checking Account Rates

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

1Identity 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 in NY and may not be available in other U.S. territories or jurisdictions in the future.
2ATM fee waivers do not include those fees charged by banks outside the CO-OP network.
3Members 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. Federally insured by NCUA. To view full terms and conditions for the Fraud Defender program please click here.
4Check with your wireless provider to determine if data and text messaging rates apply.

5Maximum 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.

 

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. Activate this service here.
  • 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. Activate this service here.
  • 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. Consumers who are eligible for the group identity theft detection and recovery service (“Services”) include all named accountholders who own a covered account with the Program Sponsor (“Eligible Consumer”). This is known as the “Eligibility Requirement”.
2. The Services are offered through a group services agreement (“Group Program”) with the Program Sponsor and the Service Provider and are extended to Eligible Consumers and, unless otherwise stated, their eligible family members described as “3G Family” below. Eligible Consumers and 3G family are collectively referred to as “Group Members”.
3. “3G Family” is defined as the Eligible Consumer, and his/her spouse or domestic partner, dependents in the household up to age 25, other IRS-qualified dependents in the household, and parents living at the same address as the consumer, or living in hospice, assisted living, or nursing home. Group Members are eligible for the Services for up to 12 months after death.
4. Access to the Services (“Benefits Period”) begins when the Eligible Consumer first meets the Eligibility Requirement, and ends when the Eligible Consumer no longer meets the Eligibility Requirement or when Program Sponsor terminates the Group Program, whichever occurs first. You may find additional information about the Services at the Program Sponsor’s website.
5. The Services provide professionals to manage the detection, investigation, and remediation of incidents of identity fraud caused by Identity Theft. “Identity Theft” is defined as fraud that involves the use of any combination of a Group Member’s name, address, date of birth, Social Security number, bank or credit/debit card account number, or other identifying information without the knowledge of the Group Member, and such information is used to commit fraud or other crimes. Only Identity Theft incidents that are discovered and reported to the Program Sponsor or the Service Provider during the Benefits Period will be covered by the Services.
6. Eligible Consumers have been pre-registered with the Service Provider (typically name and email address only) for the sole purpose of enabling Eligible Consumers to activate their entitlements to single bureau credit monitoring, single bureau credit report and score, internet back market monitoring, and credential vault services (collectively, the “Entitlements”). The Service Provider will not ask for any payment nor is there any cost to Eligible Consumers now or in the future for utilizing the Entitlements. The Entitlements extend to one named Eligible Consumer per covered account. 3G Family members are NOT eligible for the Entitlements. Regardless of status as an Eligible Consumer, Entitlements are applicable only to individuals age 18 and older who have a valid credit file. The Eligible Consumer must proactively activate their Entitlements to receive the benefits of single bureau credit monitoring, single bureau credit report and score, internet back market monitoring, and credential vault services. If an Eligible Consumer does not utilize the Entitlements, it does not prevent the Eligible Consumer from utilizing the other Services, nor does it constitute a failure of the Services. Online activation and toll-free telephone assistance is available to help Eligible Consumers activate the Entitlements.
7. The Services include reimbursement for expenses incurred in identity theft recovery up to the limit of $10,000 for Eligible Consumers and qualifying family members. Identity 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 in NY and may not be available in other U.S. territories or jurisdictions in the future. More information can be found at the Program Sponsor’s website.
8. The Services may assist the Group Member in seeking reimbursement for funds stolen in the Identity Theft incident, and/or providing assistance for filing a claim for insurance, but do not provide a guarantee of reimbursement for financial losses of any kind arising from the Identity Theft incident.
9. The Services are non-transferable and non-cancelable by the Group Member and have no cash equivalent. There is no fee for using the Services; however, the account or service to which the Eligibility Requirement is attached may have a fee, based on the provisions of the account/service agreement that the Eligible Consumer has with the Program Sponsor.
10. Neither the Program Sponsor nor its contracted Service Provider can be held responsible for failure to provide or for delay in providing the Services when such failure or delay is caused by conditions beyond the control of the Program Sponsor and its Service Provider.
11. The successful completion of the Services described herein depends on the cooperation of the Group Member. The Services may be refused or terminated if it is deemed that the Group Member is committing fraud or other illegal acts, making untrue statements, or failing to perform his/her responsibilities as part of the Services, or has obtained the Services knowingly without meeting the Eligibility Requirement. The Services will not be refused or terminated due to the complexity of an identity theft case.
12. THE SERVICES DO NOT INCLUDE CREDIT COUNSELING OR REPAIR TO CREDIT NOT AFFECTED BY FRAUD OR IDENTITY THEFT.
13. The Services are only available to residents of the United States. The Services are performed with agencies and institutions in the United States, or territories where U.S. law applies.
14. To access the Services, Eligible Consumers can contact the local branch office of their Program Sponsor or call 1-866-647-6223.
15. The Services are offered through an Agreement with NXG Strategies, LLC, www.nxgstrategies.com.

 ©2017 NXG Strategies, LLC. All Rights Reserved.

Evidence of Coverage

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® purchases
  • 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

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® purchases
  • 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

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.
  • Register for Mastercard® SecureCode and get added Internet shopping protection.

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.

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

×