Coastal is posting Advance Child Tax Credit Payments as soon as the funds are received. For more information, learn more

Rate Advantage Secured Visa® Credit Card

Take control of your credit card needs

Your first step to a higher credit score

Here’s how a Rate Advantage Secured Credit Card can help you bank better:

  • Take control of your credit card needs with rates as lows as 15.25% APR1

Benefits of a Rate Advantage Secured Card

Manage Your Credit Card

  • Manage your account anytime through Online Banking and Mobile Banking
  • Sign up for free fraud text alerts2 in Online Banking
  • Your credit card is automatically enrolled in Visa® Account Updater (VAU).  VAU is a program that automatically sends participating merchants your card data every time it changes, including recurring payments and card-on-file relationships
  • Secure transactions via Digital Payments 
  • Check out fast and securely with your contactless card wherever you see the Contactless Symbol3. Your transactions are always secure, with 24/7 fraud alerts on top of it
  • Manage your card preferences all on your own terms - turn your card on/off, set alerts, or set spending limits with Coastal CardNav
Go Green Checking
Go Green Checking
Enjoy the highest checking rate* in North Carolina and so much more.
* Source: Informa Research Services

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

You can activate your debit/ATM card by calling the number on the activation sticker and following the prompts until you receive confirmation your card was successfully activated. You may also activate your card by making a transaction at a Coastal ATM.

If you have forgotten your PIN, please contact our Contact Center at 919-420-8000 to speak to a representative, available 24 hours a day, 7 days a week. You may also log into Online Banking and send us a request by secure message. Once we receive your request, we will send the PIN to you in the mail to the address on file.  You will receive your PIN mailer within 5-7 days.

You can activate your credit card in two ways: by calling the number affixed to your card (888-691-8661) or by logging into Online Banking and click on your Credit Card Loan Details.  Then choose MyCardInfo.

If you would like to set a PIN for your card, simply call 888-891-2435 and follow the prompts.  If you have forgotten your PIN, contact us at 919-420-8000 or 800-868-4262.

Established limits are daily:

Classic - PIN $1000 Purchase/Credit $2000

Go Green - PIN $1000 Purchase/Credit $5000

HSA - PIN $1000 Purchase/Credit $3000

*Certain terms, conditions and exclusions apply. Please refer to your Guide to Benefits for more information. 

1. APR - Annual Percentage Rate
Guide to Benefits
Consumer Credit Card Agreement
Application and Solicitation Disclosure

2. Data and other wireless carrier charges may apply.

3. The Contactless Symbol and Contactless Indicator are trademarks owned by and used with permission of EMVCo, LLC.

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