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Chip (EMV) Cards

Get a higher level of security for each card-based transaction.

Taking the next step to combat fraud

Here's how Coastal's Chip (EMV) Cards could help you bank better:

  • This technology offers great security whenever you shop in-store or online
  • You can still use a magnetic stripe at merchants for terminals that are not EMV-enabled
  • A unique, encrypted transaction code is generated every time you use your Coastal debit or credit card, making it much more difficult for your information to be compromised
  • All debit and credit cards come with zero liability

Your card's security is our priority.

Chip technology, long popular in Europe, is becoming commonplace in North Carolina and the rest of the United States. All Coastal credit and debit cards now feature this technology, which adds another layer of encryption to protect your sensitive data and thwart fraud. EMV cards are embedded with computer chips and tethered to technology that’s used to authenticate chip-card transactions. Many retailers are switching their card-reader terminals to accommodate chip technology, requiring you to insert your card into the terminal rather than swipe it. However, if a retailer doesn't support the chip technology, you can still swipe your card to complete your transaction. Trust and security comes from the technology we implement, because it's what we value in our relationship with you.

Wealth Management
Wealth Management
Plan for your financial future, face to face with us.

Better banking abilities and best customer service.
William L.

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 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 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.

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