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

How can we help

Please fill out the form below and Coastal will reach out to you shortly. We would like to learn more about your interest in our HSA account

Are you a Coastal Member?*

Please select the account you would like to open, or assistance is needed?*

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.
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)
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.

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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