Budget Planning Software

Free software can upgrade your spending and saving habits.

Raise your personal finance IQ with by downloading BudgetSmart

Experts estimate that the typical family spends 10% more than its members take in each month. The secret to establishing better spending and saving habits is to create a budget. However, that’s often easier said than done. If you don’t know where to start when creating a budget, you aren’t alone.

At Coastal, we know that creating a budget can be overwhelming, that’s why we’ve partnered with Accel Members Financial Management to offer BudgetSmart’s software tool so that the hardwork is already done for you. Fully customizable to your family’s specific financial situation, BudgetSmart is easy to use and can give you quick feedback on efficient ways to spend, save, and reduce debt.

Coastal is Here to Help You
Connect with one of our CFS Financial Advisors1 to help you plan for the future

The Benefits of BudgetSmart

  • Features simple graphics, pop-up boxes, and bar charts to help you manage money more effectively
  • Customizable budgeting tool that tracks the specific items your family buys
  • Easy-to-use tools to help you monitor where your money is being spent

Budget Effectively with BudgetSmart

  • Establish a household budget, track your spending, identify where you may be overspending, and access a debt reduction calculator
  • Experiment with “what-if” scenarios to determine how a major purchase or change in income would affect your budget
  • Analyze your finances so that you can spend within your means and stay out of debt

Resource Center

How to Create a Simple Budget

Building a budget can be a great way to help reduce financial stress and plan for the future. According to a recent Gallup poll, only 32% of Americans had a monthly budget to track income and expenditures and only 30% had a long-term savings plan.

The Importance of Establishing an Emergency Fund

The recent gas shortage here in the southeast left many scrambling to fill their tanks just in case the supply of gasoline to stations in our area became depleted.


Having this account allowed me to save for college and now I have the opportunity to pay for my education without having to worry about interest.
Claudia M.

Frequently Asked Questions

If you have forgotten your PIN, please contact our Contact Center at 919-420-8000 that is available 24 hours a day for assistance. Representatives are available 7 days a week, 24 hours a day. Or you may send an email to cardservices@coastalfcu.org. Once we receive your request we will send the PIN to you in the mail.

Reordering checks couldn't be easier! You have a few ways to reorder your personal checks if you do not plan to make any additional changes with your name, address, or phone numbers.

You may reorder 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 and speak to a representative.

If you would like to make changes to your checks (address, phone, etc.), please log in to Digital Banking to update your contact information by clicking the Account Services icon. Once the changes have been made, simply choose "Order Checks" from the Accounts Summary.

  1. Non-deposit investment products and services are offered through CUSO Financial Services, L.P. (“CFS”), a registered broker-dealer (Member FINRA / SIPC) and SEC Registered Investment Advisor. Products offered through CFS: are not NCUA/NCUSIF or otherwise federally insured, are not guarantees or obligations of the credit union, and may involve investment risk including possible loss of principal. Investment Representatives are registered through CFS. Coastal Credit Union has contracted with CFS to make non-deposit investment products and services available to credit union members.

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