Just what the doctor ordered to deal with rising healthcare costs.


Own Your Health
Tax-advantaged1 when you use money for qualified medical expenses.
Easy to Use
You’re eligible if you’re currently enrolled in a High-Deductible Health Plan (HDHP).

Take control of your healthcare savings.

We’ve made our tax-advantaged1 account as simple to use as possible for people currently enrolled in an HDHP (High Deductible Health Plan). Choose the portion of each paycheck you want deposited into your HSA, just as you designate withholdings for your retirement fund. When you need to pay for a qualified expense, simply use your special HSA debit card or transfer the funds to your checking account.

How A HSA Could Help You Bank Better

  • Earn dividends on your deposits and use the money for health-related expenses
  • Tax-advantaged1 deposits and withdrawals when you use the money for qualified medical expenses, such as doctor visits, dental visits, prescriptions, medical procedures and more
  • Access your money easily with a designated HSA debit card or transfer the funds to your checking account
  • Your balance carries over every year and funds move with you if you ever relocate

The Simplicity You Want

  • Choose your own physicians and other providers with no restrictions
  • You’re eligible if you’re currently enrolled in a High-Deductible Health Plan (HDHP)

The Security You Have Been Looking For

  • You are automatically enrolled to receive debit fraud alerts via text message to identity unauthorized activity2
  • Make Secure contactless purchases with Digital Payments or wherever you see the Contactless Symbol3

Resource Center

Why You Should Consider a Health Savings Account

Medical costs can be overwhelmingly expensive, even with comprehensive health insurance. Saving in advance with a health savings account not only makes it easier to pay for your needs, but it also lowers your taxable income. Here’s what you need to know about these beneficial accounts.

Creating a Budget

Have you ever run out of money before the end of the month? Determine your monthly income and expenses to create a budget so you know where your money is going instead of wondering where it went.

Frequently Asked Questions

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.
Federal Reserve Board Regulation D is a federal law that says you can't make more than six withdrawals or transfers per month out of your savings account. The same rules also apply to money market accounts.

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)

1. Please consult your tax advisor for additional tax information.

2. Valid mobile phone number required.

3. The Contactless Symbol and Contactless Indicator are trademarks owned by and used with permission of EMVCo, LLC.

**Data and other wireless carrier charges may apply. 

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