All the answers you need to the questions you have

Top FAQs

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.

Branch Services FAQs

As a member of Coastal you can make free, basic transactions at thousands of credit union locations nationwide through shared branching network. Transactions and services available include:

  • Deposits
  • Account Inquiries
  • Transfers
  • Withdrawals up to $1k of your available balance
  • Line of Credit Advances
  • Statement Print Outs
  • Loan Payments

Business Services FAQs

As long as you have an established business account, you can apply for a loan in your business name.

You can open a small business account at any branch location. Depending on the type of business, a few additional documents will be needed to open the account.

To sign up for Digital Banking, you must accept the terms of the Digital Banking Services Agreement and Disclosure. Click on the link to Register a Business or Trust Account. Fill in the blanks for Account Number, Business or Trust Name, SSN/TIN, and Zip Code exactly the way the business or Trust is named. Press submit when complete. You will then be prompted to create a User ID and Password. Then, follow the steps when prompted.

Checking Accounts FAQs

Yes, the minimum required to open a checking account is $100. However, there is no minimum balance required to enjoy all of the features of your account or to waive any fees.

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 and Allpoint ATM locations.

Credit or Debit Card FAQs

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 log into Digital Banking and send us a request by secure message. Once we receive your request we will send the PIN to you in the mail.

You should receive your new card within the month that the card is set to expire. To prevent any delays getting you a card, please ensure your address on record is correct. If you do not receive your new card, please contact our Member Contact Center at cardservices@coastalfcu.org or call 919-420-8000.

Yes, in most cases these cards can be used outside of the United States; however, to better serve you while traveling its best to notify us for improved security and access to your accounts. By knowing when and where you are traveling, allows us to strive to minimize the chances of your card(s) being blocked or flagged for unusual activity. To notify us, please call our Contact Center at 800-868-4262. For your convenience you can access cash at ATM locations worldwide.

To receive a replacement just give us a call at 800-868-4262 or 919-420-8000. Please allow 7 to 10 business days to receive the replacement card.

If you suspect your debit card has been blocked you may contact us at 888-241-2440, or if outside of the U.S. contact them at 909-941-1034. If your credit card has been blocked, you may call 800-868-4262. To help ensure uninterrupted use of your card, notify us in advance that you are traveling so we may flag your account with the travel destination and dates of your trip so a financial surprise doesn't spoil your trip.

Please contact our Call Center at 800-868-4262, or 919-420-8000.

Yes! You may choose your PIN on both your debit and/or credit card. To change the PIN on your debit or ATM card, visit any Coastal ATM and choose the PIN change menu option.

To change the PIN number on your credit card, simply call (888) 891 -2435.

If you would like to set a PIN for your card, simply call 888-891-2435 and follow the prompts. If you have forgotten your PIN, contact our member call center number at the bottom of the page or on the Contact Us page of the Help & Info menu.

There is no charge to order a new card, unless the card is being expedited. If you would like the card expedited, additional charges may apply.

If a card is lost or stolen, a replacement charge may apply in some instances.

Please call (800) 868-4262 immediately so we can disable the card to prevent fraudulent activity from occurring.

Established limits are daily:

Classic Debit Card - PIN $1000 Purchase/Credit $2000

Go Green - PIN $1000 Purchase/Credit $5000

HSA Card - PIN $1000 Purchase/Credit $3000

You may access your credit card history, transactions, payments, and details within Digital Banking.

There are several ways to make payments to your credit card account.

Coastal's Digital Banking: You can set up both recurring and one-time payments from your Coastal accounts by logging into Digital Banking through Coastal24.com. Select the Transfer Funds tab to set up or edit recurring payments. For one-time payments you can navigate to the Transfer Funds tab or use the Quick Transfer module on the Account Summary page. This payment method will post to your credit card account within two business days.

One-time payment through MyCardInfo: You can make a one-time draft payment from a deposit account at a different financial institution by selecting Make a Payment on the Payments tab of MyCardInfo. Enter the account and routing number, which can be found on the bottom of a check. This payment method will post to your credit card account within a few business days, depending on the other financial institution.

Recurring payments through MyCardInfo: You can establish recurring draft payments from a deposit account at a different financial institution by selecting Automatic Payments on the Payments tab of MyCardInfo. Enter the account and routing number, which can be found on the bottom of a check. This payment method will post to your credit card account within a few business days, depending on the other financial institution.

Pay by check: You can mail a check with the payment coupon you find attached to your monthly credit card statement. Please send payments to the Payment Address displayed at the bottom menu in MyCardInfo.

You can activate your credit card in two ways: by calling the number on the back of the card or by logging into Digital Banking and clicking through to MyCardInfo on the Credit Card module.

Please call 800-868-4262 to get in touch with our member service team. Our team will disable the card to limit unauthorized spending. To better assist us in servicing your account, please let us know where your card was lost/stolen and the last authorized transaction on the card.

Please contact us at 800-868-4262 to speak with a Member Service Representative.

The Annual Percentage Rate (APR) can be found on your monthly statement.

Once you log into Digital Banking, select the credit card and then click on visit "MyCardInfo". From there, choose Account Overview to verify your limit and balance on your account.

Identifying a transacton that you do not recognize on your credit card can be unsettling. Be sure and verify your receipts. If a merchant has charged your account inaccurately, the first step is contact the merchant directly for resolution. If you are not able to obtain a resolution with the merchant, we can assist with disputing the transaction for you.

You can submit your dispute within Digital Banking. After you have selected your credit card account, choose visit MyCardInfo. Then you can select Account Services from the menu to begin to process the dispute. As an alternative, you may also call us at 800-868-4262 again to speak with a representative for assistance.

Accessing your points and redemption choices is quick and easy. Simply log into Digital Banking and choose your credit card account. Your points should display on the Account Details page. You can then click on the Share Points link to visit the redemption site.

Once you have established a Personal Identification Number (PIN), you can visit any ATM to make a withdrawal on your card. Or you can visit any Financial Institution that accepts Visa, including any of our Coastal branch locations. Refer to your card agreement for cash advance fees, rates, and limitations.

Credit Reporting FAQs

Annually, you are able to receive a copy of your credit report. You can visit www.annualcreditreport.com to request the report.

Trans Union- 800-680-7289, www.transunion.com
Experian- 888-397-3742, www.experian.com
​Equifax- 800-525-6285, www.equifax.com


The most effective way to dispute an item on your Credit Report is to work directly with the Credit Reporting Agencies:

Trans Union- 800-680-7289, www.transunion.com
Experian- 888-397-3742, www.experian.com
​Equifax- 800-525-6285, www.equifax.com

A FICO score is a type of credit score created by the Fair Isaac Corporation. Lenders use borrowers' FICO scores along with other details on a borrowers' credit report to assess credit risk and determine whether to extend credit. Your score can impact your loan, interest rates terms, approvals and more.

Coastal has teamed up with Accel, a financial management program. Through comprehensive education and exceptional service, this organization has been assisting individuals for more than 40 years.


Deposits are insured by National Credit Union Administration (NCUA) up to $250,000.

Yes.  The minimum deposit needed to open an account is as low as $100. 

Dividends are calculated on the average daily balance and are compounded and credited monthly. Tiered Dividend Rate based on balance and number of debit card transactions.

You can fund your new account by transferring money from an existing Coastal or non-Coastal account or by check at a branch location convenient to you.

To qualify for the highest rate, you must make at least 30 transactions with your linked Go Green Checking debit card.


Available terms are 7-90 days, 6, 12, 24, 36, 48 and 60 months. Occasionally, other terms are available on a promotional basis.

Deposits are insured by National Credit Union Administration (NCUA) up to $250,000.

Yes.  The minimum deposit needed to open an account is as low as $250.  For certificates 7-90 days, a $50,0000 minimum is needed.

Dividends are compounded daily and post to the designated share at the end of the month.

You can fund your new account by transferring money from an existing Coastal or non-Coastal account or by check at a branch location convenient to you.

Yes.  There is a 7-day grace period at maturity. During this time you can do the following:

  • Withdraw funds, including dividends without penalty
  • Add funds to the certificate
  • Take no action and the certificate will automatically renew after grace period ends
  • Contact us to change the term of the certificate

Notifications will be sent about maturing certificate at approximately 20 days before renewal.

A penalty may be imposed if you withdraw any of the principal before the maturity date.  The penalty depends on your certificate term. Terms less than 12 months, $25 or 90 days of dividends, whichever is greater.  Terms of 12 months, $25 or 180 days of dividends, whichever is greater. Terms greater than 12 months $25 or 365 days of dividends, whichever is greater. In certain circumstances, the penalty may reduce the principal balance if accrued dividends are insufficient to cover the early withdrawal penalty. Penalty will be waived in the event the primary member is deceased or by court of law.

No. Coastal does not charge ANY maintenance fees for having your IRA established with us.

A certificate is going to earn a fixed rate for the entire term, as opposed to a savings account having a fluctuating rate. No matter what happens to certificate rates, you are guaranteed the rate that you lock in at for the entire term.

Deposit Services FAQs

Frequently, we see that direct deposits may not credit your account due to an invalid account number. Be sure to verify with the issuer of the deposit that they are sending funds with your full 14 digit account number. You may also provide the issuer of the deposit a voided check.

You may also want to validate the ABA Routing Number, 253175494.

Transferring funds is easy and free! Simply log into Digital Banking and select Transfer Funds. Follow the displayed prompts. Transfers may take up to 3-5 business days to credit.

You may also transfer funds from your Coastal account to another financial institution via a wire transfer. To initiate a wire transfer, please contact our Call Center at (800)868-4262, ext 6784 or 919-420-8000, ext 6784 or visit the nearest branch location.

On April 24th the Federal Reserve Board announced an interim final rule to delete the six-per-month limit on convenient transfers from the savings/share accounts.  The interim final rule allows Coastal to immediately suspend enforcement of the six transfer limit to allow our members to make an unlimited number of convenient transfers and withdrawals from their savings at a time when it is critical because of the coronavirus pandemic.

Prior to the interim rule, Federal Regulations require us to have limitations on the number and types of withdrawals allowed on a savings account. Your savings accounts are limited to 5 teller withdrawals (this includes cash and official checks) per month. Any transactions in excess of 5 are charged a fee for each withdrawal. As an alternative, you can avoid this fee by performing a cash withdraw from your savings account at an ATM. It's good to know that ATM withdrawals from savings accounts do not count against your 5 monthly teller withdrawals, or the 6 monthly electronic withdrawals that are allowed by Federal Regulation D. Transfers made through Telephone Banking, Digital Banking, or our Transaction Call Center count towards the 6 monthly transactions allowed by Federal Regulation D. Any ACH (electronic) debits from savings count towards the 6 as well. Also, if a savings account is used for overdraft protection, then overdraft transfers from savings will also count towards the six transactions per month. If you find yourself coming close or exceeding your limits, you may want to consider a checking account at Coastal.

To set up a direct debit or credit to your account you will want to provide the ABA/Routing Number 253175494. If you have a checking account, please use the 14 digit number on the bottom of your checks. If you want to debit or credit another account with your Coastal account, please give us a call at 800-868-4262 or 919-420-8000. For security reasons, we will mail you the account details to set up direct debit or credit to your account.

If wiring U.S. Dollars, please provide the issuing institution the following instructions:

Bank Name: Coastal Credit Union
ABA/Routing Number: 253175494
Credit Name: (Your name and address)
Account Number: (Your 14-digit Coastal account number)

Eligible members can deposit funds by using Digital Banking through the Mobile Deposit feature. You may also visit any Coastal branch location or Shared Branch/Service Center location. Or, you can fill out the Mail Teller Form (pdf) and send it to: Coastal Credit Union Attn: Payments / Deposits P.O. Box 10009 Irmo, SC 29063-5009

Primary members can update their address or phone number within Digital Banking using the Account Services icon and then choosing the Solutions Center Log into Digital Banking, select the Account Services icon, under the Solutions Center tab click on option to change address/phone number. If you are updating an address to a PO Box, a physical address is also needed. You may also change an address at any our branch locations. If you are unable to visit a branch location, you can send the completed form to

Coastal Credit Union
Attn: Deposit Services
PO Box 58429
Raleigh, NC 27690-5811

Or fax it to 866-881-5533.

After 6 months of no activity, an account is statused as inactive and may incur an inactive charge. After five years of inactivity, the account is considered dormant and funds are required, by law, to be sent to the state. Prevent fees and an inactive status from occurring by performing one or more of the following: deposits, withdrawals, or transfers. If you have questions about your account status please call us at 800-868-4262.

Wires can be sent domestically or internationally until 3 PM EST.

Yes! You can view pending deposits, debits, and credit card transactions directly within Digital Banking.

To dispute an ACH transaction, please complete the Written Statement Under Penalty of Perjury form. Please fax the completed form to 866-881-5533 or stop by a Coastal branch for assistance. If you have any questions about the form, or the dispute process, please contact us by email at ach@coastalfcu.org.

While Coastal does not charge a fee for receiving the international wire, some issuing or corresponding institutions may charge a fee. If a fee is imposed, it will be deducted from the amount of the incoming wire prior to us receiving it and posting it to your account.

We are not currently part of the SWIFT system. We can only directly accept domestic wires but the issuing bank may have a US affiliate who can forward the funds to us.

We participate in two large networks to give you more convenient access to your cash without all the fees.  The first is the CO-OP network, with over 28,000 locations nationwide.  The second is Allpoint Network, which has over 37,000 locations nationwide.

In addition, NC State Employees Credit Union's ATMs(Cashpoints) do not charge for accessing your cash.

You may also make a debit card purchase (with a PIN) at many merchants and get cash back at the register. This option saves both a trip to an ATM and a potential surcharge.

For a list of all ATM locations, click here.

Or you can text your zip code to 91989 and get a list of the nearest CO-OP surcharge free ATMs. Standard data/text fees apply.

Yes. All of our locations have a notary, which is free of charge to our members.

All contributions and distributions are required to be reported on your income tax return. Annually, we will provide you with a 5498-SA for your contributions and a 1099-SA for your distributions.

Unfortunately, we do not exchange foreign currency.

Placing a stop payment is quick and easy. Just log in to Digital Banking, click the Account Services icon, then click "Place a Stop Payment" under the Checking Services section of the Solutions Center tab. As an alternative, you can contact us directly at 919-420-8000 or 800-868-4262. Or you may visit one of our branch locations.

There are numerous ways in which paper checks can be converted into electronic items. Generally they are converted to electronic debits that flow through the ACH (Automated Clearing House) network. ACH is the national network for exchanging electronic payments.

Please contact our Call Center at 800-868-4262 or 919-420-8000 or visit your local branch for assistance.

Yes, funds can be direct deposited without your name being on the account.

If you would like to change the account in which funds should be deposited, please contact the issuer of the funds to make the necessary changes.

Checks drawn off of a foreign financial institution can be deposited. Once we receive the item, it may take an extended period of time for the credit union to collect upon the funds. In the interim, we will provide a provisional credit to your account.

You may visit any of our branch locations to deposit the check. If you are unable to visit a branch location, please complete the "Foreign Collection Disclosure Form" and mail it to:

Coastal Credit Union
Attn: Deposit Operations
P.O. Box 58429
Raleigh, NC 27658-8429

Please remember to hit the pound key ("#") after every entry. If you are still unable to activate your card, please call us at 800-868-4262 or 919-420-8000.

Bounce Guard Plus is an enhanced version of Bounce Guard to extend overdraft protection to your ATM and debit card transactions.

There is no cost to enroll in Bounce Guard Plus, and you only pay a fee if you actually use the service.

Making a payment is easy! Simply login to Digital Banking and select the Transfer/Payments tab. Follow the prompts to submit the payment.  You can also set up automatic payments by faxing an ACH Loan Payment Authorization form to 866-881-5533.

The ACH transactions will post on the first business day of the following week.

You can place an stop payment on an ACH transaction by visiting any of our locations or contact us directly at 800-868-4262.

Online Banking General FAQs

“Please use the ZIP code associated with your primary/physical address.

Digital Banking supports the two most recent versions of the following browsers: Internet Explorer/Edge, Firefox, Chrome, and Safari for Mac. We recommend using the latest versions of these browsers, if possible. We also recommend having JavaScript & Cookies turned on.

You can always send us a secure message after logging in to Digital Banking. In addition, visit our Contact Us page for additional contact methods or visit your local branch.

From the Accounts Summary page, choose the account you wish to view. Transaction history will display the last 60 days of the selected account. Alternatively, you can select the Accounts tab at the top, click the More tab and select Account Activity from the drop-down menu.

A pending transaction is an approved debit transaction that has not yet posted to your account. The pending amount is deducted from your available balance but is not yet reflected in your posted transactions.

The pending transaction will be removed as soon as the merchant sends through the final transaction, or three calendar days after the transaction takes place (whichever occurs first).

Coastal may receive advanced notification up to two business days prior to posting, however the funds are not credited until the posting date.

While logged in to Digital Banking, click the e-Docs tab on the Accounts Summary to view your statements, notices, letters and tax forms. Please note, this will open in a new window and popup blockers may need to be turned off.

Select the account you would like to change from the Accounts Summary page. The change field will be on the left hand side in the Account Details section.

Within the Account History section of the Account Activity page, there is a link under the filters that reads "Download For: Spreadsheet".

While viewing the Accounts Summary, you will need to select the More tab and there will be a link for “Download Transactions.”

Select Account Display Elections in the Solution Center section of the Account Services page.  Here you can hide accounts, show previously hidden accounts or disable certain accounts for Bill Pay.

On the Account Summary page, there is a Messages box that will display a number if you have received a message.  You can either click this box or select the Account Services page to view the Messages tab.  You can also view messages in the mobile app by opening the menu and clicking on Messages.

Within the Messages tab on the Account Services page, click the "Compose New" link in the menu bar.

It means your bill pay account has been inactive for 90 days. To reinstate this service, please contact us at 800-868-4262.

Login FAQs

User IDs must consist of only numbers and letters, must start with a letter, and must be at least 8 characters long.

Along with your first and last name, you will need your Coastal account number, your social security number, date of birth and zip code.

You will not be able to use the same answer more than once. Enter your answers carefully as you will need to supply the exact same answer each time you are asked the security questions.

Your session will end if there has been no activity for 20 minutes. You will receive a time-out warning pop-up message two minutes before the session is automatically ended.

The system monitors trends in member access and activity within Digital Banking. We may prompt for additional authentication based on those trends.

For example, you might get challenged if you:

  • Clear your browser cookies.
  • Use a new device or computer.
  • Log in from a new location.

Please note that this is not a comprehensive list of things that could prompt for challenge questions. To protect member security, Coastal is not able to share details surrounding the reasons for receiving additional authentication challenges.

You may contact the Member Service Center at 800-868-4262, or visit your local branch.

On the login page, there is a link at the bottom that reads "Forgot Your Password?"

Use the "Forgot User ID" link on the main page of our website to retrieve your User ID. After verifying your account number, name, last 4 digits of your Social Security number and your ZIP code, your User ID will be emailed to you at the address you have on file.

You can change the password and security questions by going Account Services. Within the User Profile section, you can click on Change Password or Change Security Information.


Click “LOGIN” at the top of the page, then click “Register” and follow the instructions to create a Digital Banking account.

Mobile Check Deposit works by using the camera on your phone to capture an image of the check. The image is processed the same way as making a deposit at a branch or at an ATM. None of the check images are stored on your phone, so you can rest assured that it is secure. Your check image is transmitted for processing and verification. Funds are credited to your account, subject to holds and verification.

The Digital Banking mobile app contains most of the same features as the desktop site. It also offers functionality not found on the desktop site, such as Mobile Check Deposit and Tap Balances.

Yes, our app is compatible for iPhone or Android smartphones directly from your device’s app store.

Yes. Using the camera on your smartphone, you can deposit a check into your account remotely using the Coastal Digital Banking app.

If you would like to do things like change your password, change your email address or change your address, you just need to access the Solution Center on the mobile app.  This can be found by tapping the menu icon at the top right of the screen and scrolling down until you see the Solution Center.

You may enroll in Bill Pay within Digital Banking to pay your bills, review scheduled bills and see your bill pay history. For full featured Bill Pay, be sure and access your account from a desktop computer for additional functionality.

Both the desktop version and the mobile app have a Ways to Save Module that will provide you with special product offers, seminars, and perks that we recommend to you based on your overall relationship with Coastal.

Tap Balance is a convenient way to view the balance of your account without logging into Digital Banking. After opening the Digital Banking app, simply tap the tab above the User ID field and your real-time balance will appear. Plus, you can view your last five transactions by tapping the account name.

Within the app, tap the menu icon in the top right-hand corner.  From the menu, select "Solution Center" and then select "Manage Tap Balances".

Alerts FAQs

Alerts are near real time and will be sent roughly within 30 minutes of the action occurring.

Within Digital Banking, follow these easy steps:

  1. Select the Accounts Services icon
  2. Select the Alerts tab
  3. Choose the alert you want to subscribe to
  4. Complete the necessary fields

Alerts include Balance Alerts, Daily Balance Alerts, Transaction Alerts, Cleared Check Alert, Loan Due Date, plus many more.  Alerts are an effective tool to help monitor your account for potential suspicious activity.

Payments FAQs

No, Bill Pay is a standard service that is free to all Coastal members. Expedited payments are also available, but charges may apply.

Log in to Digital Banking and select the Bill Pay icon. Once you have reviewed and accepted the terms and conditions, Bill Pay will walk you through setting up a payee and making your first payment.

The way the payment is remitted depends on the merchant, payment history, recent activity, and the amount of the payment. Depending on the payment method some payments are debited up front before the check is mailed. To determine if your payment was processed in this manner you can refer to your account transaction history. The account will show debited on the due date you entered in bill pay.

Yes. You can edit or delete payments in the Scheduled Payments section.

Yes. You can choose from a variety of frequencies in a drop-down menu when setting up a new payment.

The initial date that appears is notifying you of the earliest date of delivery available. By clicking on the calendar icon, you can choose your desired delivery date.

The payment will post on the available business day chosen on Digital Banking when making your payment.  Use the calendar to choose the first available date or a future available date.  Typically, the business day following a weekend or holiday may not be available to allow for processing time.

Yes. Automatic payments are a great way to make sure your payments are always on time.  This can be set up on your account using Digital Banking.

You may call 800-868-4262 or visit a Coastal Branch to request that the desired loan be added to your account within Digital Banking.

Coastal offers several methods of payment.  Find the method that fits your needs.

Yes, Coastal offers assistance to members experiencing hardships. Learn about our Member Assistance Program.

The statement is not required to make a payment.  However, you may access your account online to view the statement at any time by clicking on the “e-docs” tab and “View my e-docs”.   In addition, Coastal offers more payment options that could help you bank better.

Person-To-Person FAQs

Popmoney is a convenient way to send money via email, text message, or directly to your friends’ bank account.

To send money, log in to Digital Banking and locate Popmoney within Bill Pay. You will be notified when the transaction is completed or if someone sends money to you. Money sent directly to an account will be automatically deposited. No action is required by the recipient.

Verification may be required for security reasons. Entering the correct verification codes ensures that you have access to your email and phone. You may also be asked to verify your mobile phone in the future to send and receive payments.

This depends on the delivery option selected by the sender of the funds. Often times, it can take up to 3 days after accepting the payment. If the sender has selected Next Day or Express delivery then the recipient will receive the funds 1 business days after accepting the payment.

A personal message helps to give your contact confidence that they are receiving a payment from someone they know. It is also your opportunity to communicate the purpose of the payment.

Yes. You may cancel a payment any time before or on the send date. Your contact will be notified if you cancel a payment after a payment notification has been sent.

Yes. Popmoney allows you to schedule one time or recurring future payments.

The fees, if any, are shown when you select a delivery option.

Please make sure the password is between 8 and 20 characters long. It must contain at least three of the following, an upper-case letter, a lower-case letter, a number, and a special character. Remember, your password is case sensitive.

Loan Services FAQs

The primary savings is considered the membership account which provides our members with voting rights at the credit union and will always need to remain open and active as long as there are share products or loan products listed under the housing account.

There are two options to make principal only payments. (Excludes first mortgages and VISA Credit Cards)

You can pay an extra amount at the same time you make your regularly scheduled payment. The extra amount paid will automatically be applied to the principal balance. The regular payment and the extra amount must be applied on the same date with this option.

You can make principal only payments at other times as long as your loan is current. Please note, a principal only payment will not advance your due date, and will not take the place of normal monthly payments.

When mailing a check for principal only payments, clearly indicate in the memo section of the check, "PRINCIPAL ONLY" and the account number. Any payment applied as principal and interest, that is not notated "PRINCIPAL ONLY", cannot be reversed and reapplied later.

Please send payment to:
Coastal Federal Credit Union:
ATTN: Payments/Deposits:
PO BOX 58429, Raleigh NC 27658-8429

Please email loanservicing@coastalfcu.org with any questions.

Yes, if you wish to add more funds to your loan or increase it in anyway a new application will need to be submitted

You do not need to have a first mortgage with Coastal to obtain a HELOC.

Coastal only issues 1098 Mortgage Interest Statements for accounts that paid $600 or more in interest during the calendar year. The exact amount of interest paid on your mortgage loan is listed on your December statement.

A physical letter in the mail will be sent to them or they will get a pre-approval email generated by the loan officer or they will get it from both.

Membership/General FAQs

Login to Digital Banking and from Account Summary tab, select the account you wish to view. Once on the product page, go to the Account Details section on the left side and select "Show Full (ACH)" next to Account Number.

Coastal is required to have your address standardized to the United States Postal Service.  If their records indicate a difference, the information will be updated accordingly.  If the address is correct, please contact the USPS as other mail may also be routed to that address.

We use your information for marketing purposes with our affiliates and joint marketing partners. We do not share with nonaffiliated marketing partners. For more information, visit our Privacy Policy.

Fraud FAQs

It’s unfortunate but they do happen. Criminals insert malicious software into a company’s point-of-sale (POS) system. That malware then records credit and debit card information when the card is swiped through payment terminals. The recorded information is sent to the criminals who then sell it on what is referred to as “the dark web”. 

Retailers are responsible for changing/upgrading their point-of-sale systems, which though slow in going, the adaptions are being made. The good news is as of 2016, credit card companies shifted to the more secure chip-enhanced cards, which make it more difficult for criminals to access your personal information. 

More good news - Coastal blocks and replaces cards as soon as fraudulent activity is reported.

Card data breaches are announced by the card associations (Visa, Mastercard, Discover, AmEX, etc.). They typically don’t name the merchant (or merchant processor) who was breached. If the merchant deems the breach was serious enough to divulge that a breach occurred, they will announce it. Sometimes, Coastal learns of the merchant as the announcement is being made. Sometimes, we don’t. There is currently no federal or state law that requires a card association to name the merchant that was breached nor is there a law requiring the merchant to announce they have been breached. 

If Coastal learns of the merchant that was breached, we will advise our members as we re-issue their cards or sooner. 

The best way for you to guard yourself against card fraud is to - 

  • In Digital Banking, set up alerts on your debit or credit cards 
  • Use a chip-enhanced credit or debit card at your local merchants to guard against malware that may have been installed on their systems 
  • Use virtual payment services like Visa Checkout or Apple Pay 
  • Be careful when clicking on links in emails you receive. Inspect the link itself, subject line, and the sender carefully. If you think anything is suspicious, don't click the link! 
  • Control your debit permissions and preferences using CardNav

Set alerts in digital banking on your debit & credit cards

Watch your account(s) daily, if possible.

Simply wait for your new cards (and PINs) to arrive.

Remember to update your automated payments with your new card information.

Home Equity Loan FAQs

A home equity loan is one-time disbursement of loan proceeds secured by your home. Both the interest rate and monthly payments are fixed, ensuring a predictable repayment schedule for the life of the loan.

Property must be a primary residence located in North Carolina, South Carolina, or Virginia.  Eligible property types are single family detached, Townhouses and Condominiums only.

You do not need to have a first mortgage with Coastal to obtain a Home Equity.

Because of the competitive interest rates and potential tax advantages of home loans, they are convenient ways to finance home improvements/repairs, education, purchasing a vehicle, buying a second property or consolidating higher interest rate balances.  Member should consult a tax advisor for additional information.

You can borrow as little as $5,000 or up to $250,000 depending on your credit history, available equity in the property and your current monthly debt up to 100% of the Loan to Value (LTV).  Higher loan amounts may be available if your first mortgage with Coastal.

Interest on home equity loans may be tax deductible.  Consult your tax advisor regarding tax deductibility.

Yes. To qualify for Relationship Pricing, the borrower must have a Coastal first mortgage or close the loan simultaneously with a new Coastal first mortgage.

Our home equity installment loan has a fixed rate.

The term can be up to 20 years.  If less than 5 years, you may qualify for a lower rate.  See disclosures.

Also known as a second mortgage, home equity loans have a fixed rate and monthly payment ensuring a predictable repayment schedule.

Home Equity Line of Credit FAQs

A home equity line of credit is a revolving line of credit secured by your home and is the most flexible type of home financing available. As payments during the draw period are applied to the outstanding principal balance on the credit line, your available credit increases.

Property must be a primary residence located in North Carolina, South Carolina, or Virginia.  Eligible property types are single family detached, Townhouses and Condominiums only.

You do not need to have a first mortgage with Coastal to obtain Home Equity Line of Credit (HELOC).

Because of the competitive interest rates and potential tax advantages of home equity lines, they are convenient ways to finance home improvements/repairs, education, purchasing a vehicle, buying a second property or consolidating higher interest rate balances.  Member should consult a tax advisor for additional information.

You can borrow as little as $5,000 or up to $250,000 depending on your credit history, available equity in the property and your current monthly debt up to 100% of the Loan to Value (LTV).  Higher loan amounts may be available if your first mortgage with Coastal.

Interest on home equity lines of credit may be tax deductible.  Consult your tax advisor regarding tax deductibility.

Yes. To qualify for Relationship Pricing, the borrower must have a Coastal first mortgage or close the loan simultaneously with a new Coastal first mortgage.

Our home equity line of credit has a variable rate and is based on Prime Rate as published in the Wall Street Journal, ten days before the end of the prior month (called the “Index”), plus a margin.

The minimum monthly payment is 1.25% of outstanding balance but interest only payments may be available – consult your loan officer.

The variable rate and is based on Prime Rate as published in the Wall Street Journal, ten days before the end of the prior month (called the “Index”), plus a margin.  Click to view rates.

The max term is 10-year draw period with a 10-year amortization. There are no draw fees. See disclosures.

Personal Loan-LOC FAQs

You can borrow as little as $250 and up to $50,000 for closed end personal loans and as little as $500 up to $25,000 for line of credit.   

Our personal loan has a fixed rate with loan term up to 10 years. Our line of credit has flexible payment terms based on your situation.   See disclosures.

Yes, loans are available even if you don’t have perfect credit, although you may not qualify for the lowest rate available.  All loans are subject to approval. 

Debt consolidation involves taking out a new loan or line of credit in order to pay off other existing loans, essentially combining all your current debts into one convenient payment. If you have loans or credit cards that are accruing interest at a high rate, debt consolidating can be an extremely smart financial move.

Consolidating debt can help you:

  • Organize your finances. By rolling all your balances into one low monthly payment, you can better manage your debt.
  • Save on interest. With a lower interest rate, you could save hundreds, even thousands, of dollars in interest.
  • Get a better term. Choose a term that fits for your goals. Pay off your debt quicker with a shorter term or reduce your monthly payments with a longer term.

Yes.  You may protect your asset in the event you are injured or sick and unable to work. In the event you pass away it may reduce the loan balance or pay it off. This protection allows you to worry less, with low premiums that are rolled into your loan. The purchase of Credit Life & Disability products is voluntary and must be elected by the member.


Share secured loans allow you to borrow against your own savings or certificate, using it as collateral. Instead of liquidating your account to make a purchase, thus losing out on all dividends and an emergency safety net, you borrow against that sum while your money stays in the account.

Coastal will place a hold on the amount you want to borrow against. If you are approved for the loan, you’ll be granted the amount you requested in the form of a check or a deposit into your share account. You can make payments on the loan through an automatic withdrawal from your account, via direct deposit or by sending in a monthly check.

Borrowers with damaged or no credit, who may not otherwise qualify for a loan, stand to gain the most from these loans.  This is an ideal option to build or re-establish credit.

No.  There are no application fees or closing costs on share secured loans.

Mortgage FAQs

You can generally purchase a home with a value of two or three times your annual household income. However, the amount that you can borrow will also depend upon your employment history, credit history, current savings and debts, and the amount of down payment you are willing to make. You may also be able to take advantage of special loan programs for first time buyers to purchase a home with a higher value.   When calculating affordability, other costs such as hazard insurance, taxes and HOA dues should also be considered.

With a fixed-rate mortgage, the interest rate stays the same during the life of the loan. With an adjustable-rate mortgage (ARM), the interest changes periodically, typically in relation to an index. While the monthly payments that you make with a fixed-rate mortgage are relatively stable, payments on an ARM loan will likely change.

There is no simple formula to determine the type of mortgage that is best for you. This choice depends on several factors, including your current financial picture and how long you intend to keep your house. Coastal Credit Union can help you evaluate your choices and help you make the most appropriate decision.

For most homeowners, the monthly mortgage payments include three separate parts:

  • Principal: Repayment on the amount borrowed.
  • Interest: Payment to the lender for the amount borrowed.
  • Taxes & Insurance: Monthly payments are normally made into a special escrow account for items like hazard insurance and property taxes. This feature is sometimes optional, in which case the fees will be paid by you directly to the County Tax Assessor and property insurance company.

The amount of cash that is necessary depends on several items. In general, you will need to supply:

  • Earnest Money: The deposit that is supplied when you make an offer on the house.
  • Down Payment: A percentage of the cost of the home that is due at settlement.
  • Closing Costs: Costs associated with processing paperwork to purchase or refinance a house.

Coastal’s focus is on the 16-county core market in and around the Triangle Region. As member needs dictate, we will also lend elsewhere in North Carolina and in the surrounding states of South Carolina and Virginia.

As a first-time buyer, the first step in purchasing a home is to determine what exactly you can afford. By using one of the several calculators on our website, you will be able to figure out affordability in relation to finances, credit score and other information.

You can use our affordability mortgage calculator to get an estimate. Once you’ve completed a full loan application, a Coastal mortgage expert can help you determine your price range. An affordable home price is usually about 30 percent of gross monthly income (including taxes and insurance), although many factors can alter this.

If everything seems to be in good standing on your application, you will be able to obtain a pre-qualification letter. Although it is not necessary to be pre-qualified, it is highly recommended before making an offer. It demonstrates to both you and to sellers how much house you can afford. It can be frustrating for both buyers and sellers to agree upon an offer, only to find out the buyer is unable to qualify for it.

Pre-qualification is based solely on the data you give in your loan application. From this information, your lender can provide a ballpark estimate of how much you can borrow, but your pre-qualified amount isn’t yet a definite thing. Pre-approval is a commitment in writing for an exact loan amount, after your lender has taken a closer look at, and verified, your financial situation and history.

For a first mortgage purchase or refinance, most borrowers will need:

  • Most recent pay stubs covering the last 30-day period
  • Past two years of W-2 Forms from all employers (current & previous)
  • 2 most recent bank statements (all pages). Include all accounts used for transaction.
  • Past 2 years of Federal Tax returns (1040 Form) with all pages and schedules (if applicable, self-employed/rental income/retirement income)

You won’t need to provide a copy of your credit report. Your lender will request that directly from report providers.

Additional items you will need when purchasing a new home:

  • Your closing attorney’s contact information
  • Your realtor’s contact information
  • Copy of fully executed and dated Contract of Sale

It can feel like forever when you are waiting anxiously for word, but the average time it takes to get a mortgage is between 30 and 45 days. It can take longer if any of your financial information is difficult to verify or if you are applying for a government-insured loan such as an FHA or VA mortgage.

Homeowner’s insurance covers your losses in case of any damage to your residence or furnishings from causes like fire, wind, etc. Homeowner’s insurance also provides liability coverage against accidents on your property. Mortgage insurance, on the other hand, is for your lender’s protection. It is usually required if your down payment is less than 20 percent of your home’s purchase price, and it pays out to your lender if you default on your mortgage payments.

Escrow is a financial arrangement in which two parties enlist a third party to temporarily hold money or other assets on their behalf. When you get a mortgage, your lender is likely to set up an escrow account. Every month, the lender puts aside the money from your mortgage payment for property taxes, homeowner’s insurance and private mortgage insurance (if applicable) into this account and pays them when they are due. (This is different from the escrow account used to hold your good-faith deposit until closing.)

Closing costs are the assortment of fees associated with getting a mortgage, many of which are paid at the end of the process. Closing costs can include fees for the home appraisal, credit check and title search, but they may vary from state to state.

When you get a fixed-rate mortgage loan from Coastal, you can lock in your interest rate — at no charge — for 60 days.

The interest rate is the annual cost of borrowing the principal amount of your loan. The APR is the annual cost of the loan —including fees. APR includes charges such as mortgage insurance, some closing costs, discount points and loan origination fees. It’s intended to give you more information about what you’re really paying and allow you to accurately compare different loans.

Mortgage points are fees paid directly to the lender that can reduce the interest rate and, in turn, the overall cost of the loan. Typically, buying one mortgage point is equal to knocking your interest rate down one percentage point.

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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.

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