Checking Accounts

Checking that keeps up with your lifestyle, and then some.

Go Green Checking earns up to

5.00 %
APY 9
on balances up to $10,000
Scroll to
Get your checking account.

Get paid more with the Best in the Triangle: Go Green Checking!

  • Up to 5.00% APY!9

    That’s more money in your account for making your everyday purchases. You could earn over $500 every year!41

  • Early Pay

    Get access to your money sooner with our Early Pay feature, included with direct deposit.3

  • Music, Entertainment, and More

    Enjoy presale offers on Coastal Credit Union Music Park concert tickets and Carolina Hurricanes games and other member perks.

  • Community Contributions

    We donate to our Foundation for every Coastal debit or credit card transaction. That adds up to almost $400,000 every year to support your community!

Compare Checking Accounts

See how checking options compare so members can pick the one that works best for them.

FEATURES
★ RECOMMENDED ★
Go Green Checking
Basic Checking
Business Checking
Best For...The best checking in the Triangle. Earn more while using your debit card!Simple checking, no frills.
Business owners and organizations.
APYEarn up to 5.00%  APY9 
That could be over $500 per year!41		N/AN/A
Early Pay
with direct deposit3		✓
✓
Not available.
Monthly FeesNo monthly service fee.80No monthly service fee.80No monthly maintenance fee80 for balances above $1,500.
Digital Banking2✓✓✓
ATM Access55,000+ surcharge-free ATMs nationwide.5
Overdraft Options✓✓✓
Student Checking
Option (under 18)4
Free non-Coastal ATM withdrawals5 & paper statements, get refunds of foreign card fees.
Free non-Coastal ATM withdrawals5 & paper statements, get refunds of foreign card fees.
N/A
Best Next StepOpen Go Green Checking

Learn More		Open Basic Checking

Learn More		Schedule Appointment

Learn More

Need an account for someone under 18?

Student Checking4 helps younger members start building smart banking habits. Get free non-Coastal ATM withdrawals5, free paper statements, and get refunds of foreign card fees!

Get the most out of your checking accounts

  • The Ultimate Financial Tool

    Digital Banking provides credit monitoring, butgeting, and other helpful financial tools.

  • Every swipe gives back

    Each debit or credit card transaction transaction helps our community through the Coastal Credit Union Foundation.

  • Perks beyond checking

    Your credit union membership unlocks discounts on entertainment, loans, real estate services, and much more.

Looking to Earn Even More?

Pair your checking account with one of our savings options to earn more, grow your money, and reach your financial goals.

Go Green Money Market Account

Pairs seamlessly with your Go Green Checking account to grow your savings faster.

High Yield Savings

Don’t just grow your savings, make them soar. 

Certificates

Lock in great dividend rates for guaranteed growth. Ideal for longer-term savings plans with reliable returns.

Frequently asked questions about our Checking accounts.

No minimum balance is required for your Coastal Checking account. However, a $25 minimum opening deposit is required to get started.
You may order checks directly within Digital Banking. Simply choose "Order Checks" from the Accounts Summary. You may also visit https://orderpoint.deluxe.com/personal-checks/home.htm. You may also call 877-838-5287 or stop by a branch location.
Coastal's routing number is 253175494. To find your account number, simply log into Digital Banking, select the desired account, and then select "Details" on the right to view your account number.
Go Green Checking earns dividends, and Basic Checking does not earn dividends.
You can apply for a checking account by visiting a local branch or online at COASTAL24.com.
There is no minimum age for a checking account, but if the account is for a minor, we require a guardian to be on the account as a joint owner.
At Coastal, we do not charge a fee for ATM withdrawals at our ATMs or those in the CashPoints, Allpoint, or Sheetz networks. However, if you use an ATM outside of these networks, the ATM provider may charge a fee.

If a transaction causes your account to become overdrawn, there may be a fee associated with that as well. For more details, check out our Fee Schedules.
Each time you use your Coastal debit or credit card, we give one penny back to the Coastal Foundation. That adds up to almost $400,000 a year to support our community!
You can deposit checks from international financial institutions at Coastal Credit Union. Please note that processing these checks can take 45-90 days as we work with foreign banks to collect the funds.

To deposit the check, you can visit any of our branch locations. If you are unable to visit a branch, please complete the Foreign Collection Disclosure Form and mail it with the original check to:

Coastal Federal Credit Union
Attn: Payment Services
PO Box 58429
Raleigh, NC 27658

For questions about foreign checks, please call us at 1-800-868-4262.