STAY AT HOME ORDER: Coastal remains open to serve you. Branches will ONLY be offering outside / drive up service to reduce the risk of COVID-19 exposure. Click for details

Coastal’s Coronavirus Disease (COVID-19) Response

Updated 3/27/2020


As the coronavirus pandemic continues to develop, many of you are facing hardships we’ve never seen before. We want to make sure you know that, as a not-for-profit cooperative, our biggest focus is ensuring uninterrupted service in these trying times. Our leadership team is meeting daily to assess the situation and do whatever we can to help our members and employees.

In the event we do experience any service disruptions, they will be posted here. 


Online Banking  Available 24/7
Mobile Banking Available 24/7
Telephone Banking Available 24/7

Effective Friday, March 20, all branches are closed to lobby traffic. Drive-up and vestibule tellers remain available. 

Teller Services Available 7AM -7PM, 7 days a week
Coastal Headquarters

Restricted to Employees Only 

Call Center Available 24/7



Latest Updates:

  • March 27 – made changes to Mobile Check Deposit 
  • March 27 – our foundation is making $500,000 in grants to local nonprofits’ COVID-19 efforts
  • March 26 – Our annual meeting and board of directors election has been postponed as a result of restrictions on group gatherings due to the COVID-19 outbreak. We will reschedule the meeting for later in the year, and will send out a fresh round of communication once a new date has been set.
  • March 25 - Durham is now under a Stay at Home order, effective 8AM, Thursday, March 26. We expect Wake County and North Carolina to follow. Residents are instructed to remain at home except for when absolutely necessary.  

    Coastal is an essential service, and we will continue working and providing service to our members. Branch lobbies are closed, but members are able to use drive-up or vestibule personal teller machines and outside ATMs to conduct transactions. Please use our online and mobile banking, our 24-hour call center (800-868-4262) and other electronic channels for all other business
  • March 20 - Our branch lobbies are closed. However, our drive-up and vestibule tellers are available for transactions. You can also reach us 24/7 with our digital tools, including online and mobile banking, and our call center at 800-868-4262.



What we are doing:

Keeping our members and employees safe

  • Coastal’s top priority is keeping our workplace safe and free from infection, so that we can ensure that we will be able to continue providing service to our members.
  • We have closed all our branch lobbies to help reduce the risk of our employees and members being exposed to the coronavirus. This will not stop us from being able to serve you.
  • We’ve cancelled all business travel that might put employees at risk, are restricting visits to our headquarters, and have implemented visitor screening for the few people that do need to come there.
  • All meetings are being conducted electronically, and we’ve implemented social distancing guidelines, including enabling remote work and distributing headquarters employees to branches where possible. 
  • Employees are being instructed to stay home with pay if they are not feeling well, and have been provided with the CDC’s guidelines for preventing the spread of the virus.
  • Employees will be paid, without having to spend their paid time off, even if they are at home and unable to work due to illness or quarantine.

Uninterrupted access to your Coastal accounts

  • You will still have access to our Tellers via our ATM/Personal Teller Machines from 7am-7pm, 7 days a week. This includes our drive-up machines as well as the machines in the vestibules of our branches.
  • We encourage you to continue utilizing other ways to access Coastal, including how to use our digital banking tools and resources. Our Online Banking is always available 24/7 and you can easily access your account through our mobile app which features Mobile Check Deposit.
  • We listened to your feedback and made some adjustments to our Mobile Check Deposit feature in our smartphone apps. We’ve increased the number of checks, and dollar amount per check, a member can deposit. While our weekly dollar limits remain, these changes should remove nearly all of the hurdles some members were facing.
  • We also no longer charge a fee when you use another financial institution’s ATM. They may charge a fee, but we don’t want to penalize anyone from accessing their account. Additionally, we have a network of over 80,000 surcharge-free ATMs across the United States, including all CashPoints® locations.
  • You can use our branch and ATM locator to find these additional ways we’re able serve you.
  • Don’t forget that we also have a 24/7 call center at 919-420-8000.

Emergency Member Relief

  • New emergency relief loans, without application fees, are available to help our current members meet immediate needs. This new, low rate loan is focused on helping you with your cash needs due to the pandemic. Full details of this new loan program are available through our Member Assistance Program.
  • Member Assistance Program - We started this program during the financial crisis of 2008 and have spent over a decade supporting our members through various hardships. We are now offering loan modifications, including deferring payments for up to 120 days with no late fees, to help you make ends meet. If you are facing financial difficulties, please reach out to us at the link above where we will guide you through the process.
  • Cutting Fees & Expedited Card Replacement - We have waived Certificate withdrawal fees. This will allow you easy access to your money now if you need it. We’re also providing free expedited service for replacing any lost or damaged debit or credit cards.

Protecting Your Savings

  • Savings rates are falling globally. And while our rates are subject to change, given these volatile economic conditions, we are continuing to provide you savings rates up to 1.00% APY – which is more than 10 times the national average*. We’re also lowering the transaction count for Go Green Checking starting in April.
  • It is important to remember that your money is safe with Coastal. We’ve been protecting our members’ money for over 50 years and we are very strong financially.
  • Your savings are federally issued to at least $250,000 and backed by the full faith and credit of the United States Government.

Helping Our Community

  • The Coastal Credit Union Foundation has announced that it will provide $500,000 in unrestricted grants to several area nonprofits, to provide community assistance in response to the COVID-19 pandemic. This includes a $100,000 grant to the newly-created NC Restaurant Relief Fund, which was created to help local restaurant employees who have been hit hard by business closures. 
  • We donated a supply of 1,000 N95 masks to WakeMed hospitals.



What can you do?

  • If you are not feeling well, have traveled outside the country in the past two weeks, or otherwise have been exposed to COVID-19, please avoid visiting a branch. 
  • Educate yourself on making smart financial decisions using our education center.
  • Beware of Scams: Now more than ever we encourage you to be vigilant against scams, especially via phone and email. Unscrupulous people are trying to take advantage of the fear and uncertainty of the moment. To stay abreast of scams, visit the FTC’s website (in particular this recent article on COVID-related scams).


* 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. Comparison based on national Money Market account averages, as of 3/19/20 from Bank of America, Wells Fargo, PNC, Truist, and First Citizens.

Need help?

Send us a secured message: