Student Checking

Move to the head of the class with exclusive perks.

COASTAL STUDENT CHECKING FEATURES

A checking account that keeps up with your student lifestyle
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Your Money Deserves the Best

  • Choose Student Go Green Checking to earn a higher rate on your deposits when you use your debit card (1.00% APY1 with 30 or more debit card transactions  -  0.60%​ APY with at least 12 debit card transactions 
    -  0.10% APY for all other activity)1,2
  • Choose Student Basic Checking for a regular account with no monthly fees and no debit card restrictions2
  • Whether you choose Go Green Checking or Basic Checking, both provide free non-Coastal ATM withdrawals for students3. Not only that, you’ll also get refunds of foreign ATM fees up to $4.99

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.
  • You’ll also have access to LoveMyCreditUnion rewards, giving you discounts on tons of stuff, like movie tickets, theme parks, meditation apps, and more
  • 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

The Technology You'll Love

The Information You Need

Resource Center

Getting Your First Student Loan? Here’s 4 Things You Need To Know

Did you know that in 2019, 69% of college students took out student loans? Additionally, they graduated with an average of $29,900 of debt. With statistics like that, it’s evident that student loans are widely used.

Ways to Save Money as a College Student

A couple of years ago I was given the nickname “Coupon Kid” because my friends and family teased me that I would only buy something if I had a coupon. I’ll be the first one to admit that I do like to save money when possible and I have been known to carry a coupon book with me at all times in my car.

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.

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

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 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. 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, CashPoints or Sheetz ATM.

**Data and other wireless carrier charges may apply.

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