Student Checking

Move to the head of the class with the right checking account.

Helping students bank better one checking account at a time

Coastal’s Student Checking accounts make it easy to do your banking on-the-go, whether
you’re a North Carolina high school student or attending college anywhere in the world.
You have the option of earning dividends on your deposits with the Go Green option or
keeping it basic.

The Benefits of Student Checking

  • Choose Student Go Green Checking to earn a higher Annual Percentage Yield (APY) on your deposits with more Debit Card transactions (0.60%  APY1 with 30 or more Debit Card transactions; 0.60% APY with at least 12 Debit Card transactions; .10% APY for all other activity)1
  • Choose Student Basic Checking for a regular account with no monthly fees and no Debit Card restrictions2
  • Both accounts provide free non-Coastal ATM withdrawals and refunds of foreign ATM funds up to $4.99

The Security You Want

  • 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 Symbol3. Plus the added security of fraud alerts
  • Control your debit card permissions and preferences using Coastal CardNav

The Technology You'll Love

The Tools You Need

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. 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 required amount to open Student Checking is $1.00. 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. Applicant must present Social Security card at the time of account opening. Age restrictions do not apply.

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

4. 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.

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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