Basic Checking

A checking account that meets all your essential banking needs.


It's Simple
This is a clear checking account without any fuss or complications.
It’s Secure
Breathe easy knowing your money is federally insured by NCUA.

Life is easier when you keep things simple.

At Coastal, we know that everyday money management is challenging enough. So we made sure that your checking account is as user-friendly as possible. Our Basic Checking gives you all the convenient access you need without the restrictions, helping you bank better to live better.

The Ease You Have Been Looking For

The Security You Need

  • You are automatically enrolled to receive debit fraud alerts via text message to identity unauthorized activity3

  • Download Coastal CardNav to add another level of security to your Coastal credit and debit cards. Decide how and when your cards can be used, get alerts, set spending limits, and more

  • Get peace of mind, knowing your account is federally insured up to $250,000 by the NCUA

The Perks You’ll Love

  • As a Coastal member, you’re entitled to great presale offers on Coastal Credit Union Music Park concert tickets and on Carolina Hurricanes games.
  • 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

Resource Center

5 Simple Tips to Avoid Fees on Your Checking Account

Nobody likes to pay fees. But, the thing is, if you don’t watch what you’re doing, or if you don’t ask the right questions, you could end up paying a few.

Learn the Basics of a Checking Account

A checking account is a financial tool that offers everyday access to your funds and provides an effective way to track your budget. This course will explore how to select, open, and use this type of account.

Frequently Asked Questions

No.  Checking accounts can be opened for $0, but new members have to also open up a savings account with a minimum opening balance of $25.
Our Basic and Go Green Checking accounts do not have any monthly service fees.
Yes, in addition to continued fraud monitoring, all of your deposits are federally insured, up to $250,000 through the NCUA. We are also pleased to provide convenient fraud text alerts for debit cards as well as debit card controls using CardNav.
Yes, Coastal has several options available to guard against overdraft. You can link a savings or money market account to automatically transfer funds in the event of an overdraft. In addition, many accounts are eligible to enroll in Bounce Guard or Bounce Guard Plus  which can limit the fees incurred in the event of an overdraft.
All Coastal memberships come with complimentary idAlly, identity theft recovery services. In addition, you can complete transactions nationwide using our network of shared branches.

1. A Primary Savings account is needed to open any Checking product. A minimum deposit of $25.00 is needed to open a Primary Savings.

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, CashPoints or Sheetz ATM.

3. Valid mobile phone number required.

**Data and other wireless carrier charges may apply.

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