Basic Checking

Life is easier when you keep things simple.

A checking account that meets all your basic banking needs

Banking doesn’t have to be complicated. 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 provides you with all the convenient access you need and want without all the restrictions to help you bank better. 

The Ease You Have Been Looking For

The Security You Need

  • 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-on-file relationships

  • Make Secure contactless purchases with Digital Payments or wherever you see the Contactless Symbol2. Plus the added security of fraud alerts 

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

The Perks You'll Enjoy

  • Eligible for our annual Loyalty Bonus payout
  • Control your debit card permissions and preferences using Coastal CardNav
  • 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
  • As a Coastal member, you’re entitled to these great deals on Coastal Credit Union Music Park concert tickets, Carolina Hurricane games, and Durham Bulls souvenirs 
Go Green Checking
Go Green Checking
Enjoy the highest checking rate* in North Carolina and so much more.
* Source: Informa Research Services

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. 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.

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

3. Valid mobile phone number required. Data and other wireless carrier charges may apply.

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

Minimum required amount to open is $25.00. 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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