Checking Rates

Our checking options rate higher.

You use your checking account in some way, every day, wherever life takes you throughout North Carolina and beyond. Why not get one that lets you earn a higher dividend on your balance? Coastal helps you get ahead with checking account rates that deliver steady growth.

Checking Account Rates

Go Green Checking Tiers	APY on average daily balances $10,000 or less	APY on average daily balances above $10,000
Go Green (Premium Tier)* (30 or more Debit Card Transactions Posted Per Month)	2.00%	0.10%
Go Green (Standard Tier)* (12-29 Debit Card Transactions Posted Per Month)	0.60%	0.10%
Go Green (Base Tier)* (0-11 Debit Card Transactions Posted Per Month)	0.10%

Learn More about Go Green Checking

Health Savings Account (HSA) Checking

Product	Minimum Deposit	Dividend Rate	APY
Health Savings Account (HSA)	$1.00	0.60%	0.60%

Learn More about HSA Accounts

Student Checking

Go Green Checking Tiers	APY on average daily balances $10,000 or less	APY on average daily balances above $10,000
Student Checking (Premium Tier)* (30 or more Debit Card Transactions Posted Per Month)	2.00%	0.10%
Student Checking (Standard Tier)* (12-29 Debit Card Transactions Posted Per Month)	0.60%	0.10%
Student Checking (Base Tier)* (0-11 Debit Card Transactions Posted Per Month)	0.10%

Learn More about Student Checking

Basic Checking

Product	Minimum Deposit	Dividend Rate	APY
Basic Checking	No minimum balance required	N/A	N/A

Learn More about Basic Checking

I was expecting a direct deposit in my account, but it has not posted?

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.

How can I transfer funds from my Coastal account to another financial institution?

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.

How do I set up Direct Deposit or Direct Debit?

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.

What information do I need to send a wire to my Coastal 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)

How can I deposit funds?

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, PO Box 986533, Boston, MA 02298-6533.

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