Fees

Some services require a special fee

Working in your best interests

As a cooperative institution, Coastal Credit Union generally shares with all members the cost of providing individualized service to those who request it. Occasionally, situations arise which require a degree of personal service and an additional expense. This page outlines the fees and charges for those services. Fees are subject to change.

Personal Fees

Non-Coastal ATM Services Fee
Balance Inquiry* $2.50 / Each
Withdrawals** 5 Free/ month, then $2.00 each

* You can avoid this fee using Digital Banking
** Please be aware that the ATM's owner may require additional fees. For free withdraws, use Coastal ATMs or get cashback when shopping

Checking Fee
Coastal Design Check Order $12.00 / Order
Standard Checking $7.00 / Month
Check by Phone $5.00 / Check
Miscellaneous Fee
Inactive Account Fee
(Following 6 months of account inactivity)
$5.00 / Month
Escheat Fee $50.00
Express Delivery Service Up to $50.00
Foreign Transaction Fee 1% of Transaction
Coinstar Member Fee: up to 4%
Convert Member Check into Official Check $5.00 / Check

† Fee does not apply to minor accounts nor accounts with a balance equal to or greater than $250.00

Non-Sufficient Funds/Overdrawn Fee
Non-Sufficient Funds Fee $33.00 / Item5
BounceGuard / BounceGuardPlus
(Applies to overdrafts created by checks, ACH debits, debit card transactions, and ATM withdrawals)
$31.00 / Item - $0.01/item after first two items per day.6

‡ You can avoid this fee setting up Overdraft Line of Credit
5. $33.00 each time as item is presented for payment and sufficient funds are not available to cover it.
6. $31.00 a piece for the first two items, then $0.01 per item (following the first two items) per day. 

Statements Fee
Paper Statement* $4.00 / Statement

* You can avoid this fee using Digital Banking

Stop-Payment Order Fee
Automated Request
(Using Online Banking or Telephone Banking)
$10.00 / Each
Verbal or Written Request
(Single Check or Series)
$30.00 / Occurrence
Wire Transfers Fee
Domestic Outgoing Wire Fee $15.00 / Each
International Outgoing Wire Fee $45.00 / Each
Loan Services Fee
Loan Payment by Phone $5.00 /Payment
Late Payment Fee $10.00 at 15 Days Past Due
Returned Visa Payment Check $25.00 / Item

Business Fees

ATM SERVICES Fee
ATM Card Replacement $10.00 / Card
Non-Coastal ATM Balance Inquiry1 $2.50 / Each
Non-Coastal ATM Withdrawals2 5 Free/ month, then $2.00 each

1. We waive the $5 monthly fee for 501(c)(3) organizations and accounts that maintain an average daily balance of $1,500 or more in Small Business Checking.
2. “Item” refers to transactions which are processed by an employee and include: cash deposits and withdrawals, check deposits and withdrawals, checks cleared, checks received, incoming or outgoing wires, and teller transactions.

ACCOUNT SERVICES Fee
Call Center Balance Inquiry $1.00 / Call
Verification of Deposit $15.00 / Each
Account Research $20.00 / Hour
CHECKING Fee
Coastal Design Check Order $12.00 / Order
Small Business Checking $5.00 monthly maintenance fee1
50 free items2 $.50 each after 50
Business Basic Checking
(no longer offered)
$15.00 monthly maintenance fee
100 free items $.50 each after 100
Business Dividend Checking
(no longer offered)
$25.00 monthly maintenance fee
150 free items $.50 each after 150
Overdraft Transfer Fee $3.00 / Transfer – Limit two charges from each Savings/Money Market account per day
Overdraft Transfer Fee
(From Line of Credit Account)
$3.00 / Transfer – Limit two charges from each Line of Credit account per day
WIRE TRANSFERS Fee
Incoming Wire Fee $10.00 / Each
Domestic Outgoing Wire Fee $15.00 / Each
International Outgoing Wire Fee $45.00 / Each
PHOTOCOPIES Fee
Bill Pay Check Copy $25.00 / Each
Check, Receipt, or Statement Copy $5.00 / Each
MISCELLANEOUS Fee
Official Check $4.00 / Each
Inactive Account Fee
(Following 6 months of account inactivity)
$5.00 / Month
Early Account Closure Fee
(Closed with 90 days of opening)
$25.00
Escheat Fee $50.00
Express Delivery Service Up to $50.00
Coinstar Member Fee: up to 4%
NON-SUFFICIENT FUNDS / OVERDRAWN Fee
Non-Sufficient Funds Fee $33.00 / Item
BounceGuard / BounceGuardPlus
(Applies to overdrafts created by checks, ACH debits, debit card transactions, and ATM withdrawals)
$31.00 / Item - $0.01/item after first two items per day.
Returned Deposit or Loan Payment Fee $10.00 or $30.00 / Item
STATEMENTS Fee
Interim Statement Fee
(Current month-to-date)
$10.00 / Statement
Foreign Address Service $1.50 / Statement
Mail Returned for Incorrect Address $5.00 / Month
Paper Statement $4.00 / Statement
STOP-PAYMENT ORDER Fee
Automated Request
(Using Online Banking or Telephone Banking)
$10.00 / Each
Verbal or Written Request
(Single Check or Series)
$30.00 / Occurrence
Stop Bill Pay Transaction $25.00 / Each
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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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