Student Checking

A checking account that keeps up with your student lifestyle.

A hassle-free checking experience so you can focus on what matters most – your education and future.

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Move to the head of the class with exclusive perks.

Tailored for student life, our Student Checking features the benefits that matter most.

  • Student Go Green Checking

    Earn a higher rate on your deposits when you use your debit card (5.00% APY with 15 or more debit card transactions)9

  • Student Basic Checking

    For a regular account with no monthly fees and no debit card restrictions9

  • Early Pay

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

  • Free ATM Withdrawals

    Whether you choose Go Green Checking or Basic Checking, both provide free non-Coastal ATM withdrawals for students.5 You’ll also get refunds of foreign ATM fees up to $4.99.

  • Event Ticket Offers

    Get special presale offers on Coastal Credit Union Music Park concerts and Carolina Hurricanes games.

  • LoveMyCreditUnion Rewards

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

Our Student Checking features the convenience and technology students need.

  • Easy Account Management

    Manage your finances from anywhere, at any time, with our Mobile Banking App.

  • Nationwide Access

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

  • Digital Wallets & Mobile Payments

    Enjoy the simplicity of contactless payments with your phone.

  • Person-to-Person Payments

    Send money directly to friends and family easily.

Education Resources

Financial Education Basics

Learn key financial concepts to manage money smartly.

Better Budgeting

Track your spending and plan your finances effectively.

Savings Goals Calculator

Set and achieve your saving targets with our intuitive tools.

Frequently asked questions about our Student 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.
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.
You must be a student. Student Checking account benefits are good for two years from the date the account is opened. To renew for another two years of eligibility, the student must re-submit proof of being a student. Proof of being a student includes a current school transcript, report card, or valid student ID. Age restrictions do not apply.
Checking account benefits are good for two years from the date the account is opened. To renew for another two years of eligibility, the student must re-submit proof of being a student. Proof of being a student includes a current school transcript, report card, or valid student ID. Age restrictions do not apply.
Coastal has over 30,000 surcharge-free ATMs nationwide.
You can access or manage your account by registering for Digital Banking at COASTAL24.com or downloading the Coastal App.
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.
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 CourtesyPay or Courtesy Pay Plus,
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.