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.

Frequently Asked Questions

The easiest way to start or change your direct deposit is to contact your employer's HR or Payroll Department or log into your Employer's Payroll Site. They will have you fill out a direct deposit authorization form. To complete this form, you will need to know Coastal's Routing Number, your full 14 digit Account Number, and the account type, such as Go Green Checking
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 [email protected] Once we receive your request we will send the PIN to you in the mail.
You may choose your PIN on both your debit and/or credit card. To change the PIN on your debit 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.  You cannot choose or change the PIN on your ATM card.
There is no charge to order a new card. However 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.
  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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