Basic Checking

Simplifying your everyday finances.

We offer the essentials without complexity. Featuring early pay to get your direct deposit sooner!

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Life is easier when you keep things simple.

Manage your finances with ease and on your terms with Basic Checking.

  • Digital Banking

    Your account is accessible anywhere, anytime.

  • Early Pay

    Get access to your money sooner with our Early Pay feature, included with direct deposit.3

  • Mobile Check Deposit

    Deposit checks effortlessly with just a few taps.4

  • Nationwide Access

    Over 30,000 surcharge-free ATMs and 22 local branches in the Triangle area.5

  • Extended Teller Hours

    Accessible service from 7AM to 7PM, 7 days a week. We value your time as much as you do.

Perks & Discounts with Basic Checking

  • Music, Entertainment, and More

    Enjoy presale offers on Coastal Credit Union Music Park concert tickets and Carolina Hurricanes games and other member perks.

  • LoveMyCreditUnion Rewards

    Enjoy discounts on movie tickets, theme parks, online shopping, and more.

  • Community Contributions

    Each time you use a Coastal debit or credit card, Coastal donates a penny to our foundation. That adds up to almost $400,000 every year to help our community!

Your peace of mind is our priority. Basic Checking includes:

  • Debit Fraud Alerts

    Stay informed with automatic text alerts for unusual activity.8

  • NCUA Insurance

    Rest assured, your money is federally insured by NCUA.

Frequently asked questions about our Basic Checking.

Coastal Credit Union Checking accounts do not have monthly service fees.
You can access or manage your account by registering for Digital Banking through COASTAL24.com or Downloading the Coastal App.
You are automatically enrolled to receive debit fraud alerts via text message, ensuring you're notified quickly of any suspicious activity on your account. Coastal provides robust security measures to help protect your credit and debit cards.
Coastal has over 30,000 surcharge-free ATMs nationwide.
As a Coastal member, you are entitled to presale offers on Coastal Credit Union Music Park Concert tickets and Carolina Hurricanes games. You also have access to LoveMyCreditUnion rewards for several discounts, and each time you use your debit or credit card, we give a penny back to the Coastal Foundation to support our community.
No minimum balance is required for your Coastal Checking account.
Yes, Coastal has several options available to guard against overdrafts. You can link your savings account to automatically transfer funds in the event of an overdraft. Many accounts are eligible to enroll in Courtesy Pay or Courtesy Pay Plus, which can limit the fees incurred in the event of an overdraft.
You may order checks directly within Digital Banking. Simply choose "Order Checks" from the Accounts Summary. You may also visit https://orderpoint.deluxe.com/personal-checks/home.htm. You may also call 877-838-5287 or stop by a branch location.
Coastal's routing number is 253175494. To find your account number, simply log into Digital Banking, select the desired account, and then select "Details" on the right to view your account number.
You can deposit checks from international financial institutions at Coastal Credit Union. Please note that processing these checks can take 45-90 days as we work with foreign banks to collect the funds.

To deposit the check, you can visit any of our branch locations. If you are unable to visit a branch, please complete the Foreign Collection Disclosure Form and mail it with the original check to:

Coastal Federal Credit Union
Attn: Payment Services
PO Box 58429
Raleigh, NC 27658

For questions about foreign checks, please call us at 1-800-868-4262.