Student Checking

Move to the head of the class with the right checking account.

Helping students bank better one checking account at a time

Coastal’s Student Checking accounts make it easy to do your banking on-the-go, whether
you’re a North Carolina high school student or attending college anywhere in the world.
You have the option of earning dividends on your deposits with the Go Green option or
keeping it basic.

The Benefits of Student Checking

  • Choose Student Go Green Checking to earn a higher Annual Percentage Yield (APY) on your deposits with more Debit Card transactions (0.75%  APY1 with 30 or more Debit Card transactions; 0.75% APY with at least 12 Debit Card transactions; .10% APY for all other activity)1
  • Choose Student Basic Checking for a regular account with no monthly fees and no Debit Card restrictions2
  • Both accounts provide free non-Coastal ATM withdrawals and refunds of foreign ATM funds up to $4.99

The Security You Want

  • Your debit 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-onfile
  • Secure Debit Card transactions via Apple Pay™ and Visa Checkout
  • Chip-enhanced EMV Debit Card provides added security

The Technology You'll Love

The Tools You Need

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

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, is subject to change after the account is opened. APY is accurate as of the last dividend declaration date. Minimum required amount to open Student Checking is $1.00. Minimum balance required to earn APY is $0.01. Fees may reduce earnings.

2. Member must be a student. Student Checking account benefits are good for two years from the date the account is opened. To renew for another two years, the student must re-submit proof for an additional two years of eligibility. Proof of being a student includes a current school transcript, report card, or valid student ID. Applicant must present Social Security card at the time of account opening. Age restrictions do not apply.

3. All non-Coastal ATM withdrawals during a month are free of charge until the student checking account is converted to a non-student checking account.There is no fee (surcharge) from the ATM owner when you use a CO-OP, Allpoint, CashPoints or Sheetz ATM.

Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government Agency.

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