Go Green Checking

No monthly fees, no minimum balances

Earn a higher dividend rate with the debit card purchases you make

Your savings rate changed on June 1st, 2020. And while our rates are subject to change given these volatile economic conditions, we are continuing to provide savings rates up to 0.75% APY. Even though the rate environment has shifted considerably, you can rest assured that your savings are protected and federally insured to at least $250,000. Learn More
Go Green Checking Premium Tier
0.75% APY1
(30 or more Debit Card Transactions Posted Per Month)
Standard Tier
0.75% APY1
(12-29 Debit Card Transactions Posted Per Month)
Base Tier
.10% APY1
(0-11 Debit Card Transactions Posted Per Month)
The Rate You Deserve

The Rate You Deserve

  • Your first $10,000 earns up to 0.75% APY just by making around 1 transaction a day  
  • No monthly fee or minimum balance required 
  • Pro tip! Transfer any money above $10,000 into Go Green Money Market to maximize your return

Just the Facts

The Convenience You Enjoy

The Convenience You Enjoy

The Technology You Want

The Technology You Want

The Security You Need

The Security You Need

  • id AllySM: Our identity theft recovery program is included free of charge 
  • Manage your debit card preferences all on your own terms - turn your card on/off, set alerts, or set spending limits with CardNav
  • You are automatically enrolled to receive debit fraud alerts via text message to identify unauthorized activity3
  • Your account is federally insured up to $250,000 by the NCUA
  • With Visa’s Zero Liability, you’re protected if your debit card is lost, stolen or fraudulently used, online or offline
The Perks You Love

The Perks You Love

  • Eligible for our annual Loyalty Bonus payout
  • Each time you use your Coastal debit or credit card, we give one penny back to our community, more than $300,000 a year, through the Coastal Credit Union Foundation 
  • As a Coastal member, you’re entitled to these great deals on Coastal Credit Union Music Park concert tickets, Carolina Hurricane games, and Durham Bulls souvenirs 
Deposit-Growth Certificates
Deposit-Growth Certificates
Earn higher yields with our certificates of deposit, featuring competitive rates, flexible terms and a low minimum opening balance.

I can take care of all of my banking needs on MY schedule, not a retail bank's inconvenient schedule.
Dwight R.

Frequently Asked Questions

Frequently, we see that direct deposits may not credit your account due to an invalid account number. Be sure to verify with the issuer of the deposit that they are sending funds with your full 14 digit account number. You may also provide the issuer of the deposit a voided check.

You may also want to validate the ABA Routing Number, 253175494.

Transferring funds is easy and free! Simply log into Digital Banking and select Transfer Funds. Follow the displayed prompts. Transfers may take up to 3-5 business days to credit.

You may also transfer funds from your Coastal account to another financial institution via a wire transfer. To initiate a wire transfer, please contact our Call Center at (800)868-4262, ext 6784 or 919-420-8000, ext 6784 or visit the nearest branch location.

On April 24th the Federal Reserve Board announced an interim final rule to delete the six-per-month limit on convenient transfers from the savings/share accounts.  The interim final rule allows Coastal to immediately suspend enforcement of the six transfer limit to allow our members to make an unlimited number of convenient transfers and withdrawals from their savings at a time when it is critical because of the coronavirus pandemic.

Prior to the interim rule, Federal Regulations require us to have limitations on the number and types of withdrawals allowed on a savings account. Your savings accounts are limited to 5 teller withdrawals (this includes cash and official checks) per month. Any transactions in excess of 5 are charged a fee for each withdrawal. As an alternative, you can avoid this fee by performing a cash withdraw from your savings account at an ATM. It's good to know that ATM withdrawals from savings accounts do not count against your 5 monthly teller withdrawals, or the 6 monthly electronic withdrawals that are allowed by Federal Regulation D. Transfers made through Telephone Banking, Digital Banking, or our Transaction Call Center count towards the 6 monthly transactions allowed by Federal Regulation D. Any ACH (electronic) debits from savings count towards the 6 as well. Also, if a savings account is used for overdraft protection, then overdraft transfers from savings will also count towards the six transactions per month. If you find yourself coming close or exceeding your limits, you may want to consider a checking account at Coastal.

To set up a direct debit or credit to your account you will want to provide the ABA/Routing Number 253175494. If you have a checking account, please use the 14 digit number on the bottom of your checks. If you want to debit or credit another account with your Coastal account, please give us a call at 800-868-4262 or 919-420-8000. For security reasons, we will mail you the account details to set up direct debit or credit to your account.

If wiring U.S. Dollars, please provide the issuing institution the following instructions:

Bank Name: Coastal Credit Union
ABA/Routing Number: 253175494
Credit Name: (Your name and address)
Account Number: (Your 14-digit Coastal account number)

1. APY = Annual Percentage Yield. APY is variable, and is subject to change after the account is opened. APY is accurate as of the last dividend declaration date. $100 is needed to open an account. Minimum balance required to earn APY is $0.01. Premium Tier and Standard Tier rate are applied to daily average balances up to $10,000. Base Tier rate will apply to the portion of the balance exceeding $10,000. For more details, see the Truth-In-Savings Disclosure and Rate Table. Fees may reduce earnings. Your savings are federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. There is a limit of one Go Green Checking account and one Go Green Money Market account per Social Security number.

2. The first five non-Coastal ATM withdrawals during a specific month are free of charge. Every withdrawal after is charged a $2.00 non-Coastal ATM fee. There is no fee (surcharge) from the ATM owner when you use a CO-OP, Allpoint, CashPoints or Sheetz ATM.

There is a limit of one Go Green Checking account and one Go Green Money Market account per Social Security number.

3. Valid mobile phone number required. Data and other wireless carrier charges may apply.

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