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  Coastal FCU Basic Checking Account
Coastal FCU Basic Checking Account
in Checking Accounts from Coastal Federal Credit Union · Insured by NCUA
Unaffiliated

Coastal FCU Basic Checking Account

Unaffiliated
in Checking Accounts from Coastal Federal Credit Union · Insured by NCUA
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Highlights
Cashback Rewards N/A
APY (Annual Percentage Yield) 0%
Monthly Fee $0
Minimum Balance to Avoid Monthly Fee N/A

Coastal FCU Basic Checking Account Review

Coastal FCU Basic Checking Account is offered by Coastal Federal Credit Union, a credit union founded in 1967 and based in Raleigh, NC. Coastal FCU Basic Checking Account is available in 1 state across the USA.

Key Takeaways

  • 0% APY. As with most checking accounts, Coastal FCU Basic Checking Account does not pay interest.
  • $0 monthly fee. This account does not charge a monthly Service Charge.
  • $100 minimum deposit. This is a typical minimum initial deposit, but there are accounts that require a smaller initial deposit or have no minimum.
  • No ATM fees. Coastal FCU Basic Checking Account does not charge fees on ATM transactions within its network but there is a fee of up to $2.50 for out-of-network ATM transactions.
  • Bill pay. Pay your bills to practically anyone in the United States through Coastal Federal Credit Union.

Coastal Federal Credit Union checking account Pros & Cons

Pros Cons
  • Insured by NCUA.
  • Free debit card
  • No charge on incoming domestic or international wire transfers.
  • No signup bonus.
  • Does not earn interest
  • Only available in one state.
  • Higher than average wire transfer fees.
  • Charges a higher than average fee on out-of-network ATM transactions.

Coastal Federal Credit Union checking account FAQ

Are checking accounts from Coastal Federal Credit Union federally insured?

Yes, your Coastal Federal Credit Union checking accounts are insured up to $250,000 per share owner for each account ownership category. The National Credit Union Administration (NCUA), a federal agency, administers the insurance fund and regulates federally insured credit unions. The fund is backed by the full faith and credit of the U.S. Government.

What APY does Coastal Federal Credit Union checking account offer?

Coastal Federal Credit Union checking account is not an interest-bearing account.

What are the account minimums for Coastal Federal Credit Union checking account?

Coastal Federal Credit Union checking account requires a minimum initial deposit of $100 to open an account.

Coastal FCU Basic Checking Account Minimums
Description
Minimum Opening Deposit Starting at $100

What fees does Coastal Federal Credit Union checking account charge?

The good news is that this account does not have a monthly Service Charge.

Coastal FCU Basic Checking Account Fees
Description
ATM Fee: In-Network $0
Debit Card Replacement Fee $0
Early Account Closure $0
Foreign Transaction Fee (Debit Card) 1%
Monthly Fee $0
NSF Fee $33
Online Bill Pay Fee $0
Overdraft Item Fee $33
Overdraft Protection Fee (per transfer) $31
Paper Statement Fee $4
Returned Deposit Fee (Domestic) $25
Returned Deposit Fee (International) $25
Stop Payment Fee $20
Wire Transfer Fee - Domestic (Incoming) $0
Wire Transfer Fee - Domestic (Outgoing) $15
Wire Transfer Fee - International (Incoming) $0
Wire Transfer Fee - International (Outgoing) $45
ATM Fee: Out-of-Network Starting at $2.50

Does Coastal Federal Credit Union checking account charge overdraft fees?

Yes, Coastal Federal Credit Union checking account charges a $33 fee for every overdraft.

Coastal Federal Credit Union checking account offers overdraft protection at a cost of $31 per transaction.

What features and perks does Coastal Federal Credit Union checking account offer?

This account includes the following features:

  • Fraud monitoring - Coastal Federal Credit Union checking account monitors transactions for potentially unauthorized activity, such as when a debit card is unexpectedly used in a different location or you make a sudden string of costly purchases.
  • Online Bill Pay - Online Bill Pay allows you to pay bills easily from your account.
  • Mobile Banking Services - Coastal Federal Credit Union checking account allows you to manage your money online or with a mobile app. This includes depositing checks in your account with a mobile app on your smartphone.
  • Nationwide ATM network - Conveniently transact at a nearby ATM.

What is the customer support email for Coastal Federal Credit Union checking account?

The customer support email for Coastal Federal Credit Union checking account is supervisoryc@coastal24.com.

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Message From Coastal Federal Credit Union

Life is easier when you keep things simple. A checking account that meets all your basic banking needs. Banking doesn’t have to be complicated. At Coastal, we know that everyday money management is challenging enough, so we made sure that your checking account is as user-friendly as possible. Our Basic Checking provides you with all the convenient access you need and want without all the restrictions to help you bank better.

The Ease You Have Been Looking For. Easy-to-use Online Banking, Mobile Banking, and Telephone Banking to help you effectively manage your money, No monthly fees, minimum balance requirement or transaction requirements, Use our mobile app to deposit checks on the go, Access cash at over 30,000 surcharge-free1 ATMS nationwide.

Availability

  Available in 1 state
North Carolina
Availabile in all of North Carolina

Feature Breakdown

Minimum Opening Deposit Starting at $100
ATM Fee: In-Network $0
Debit Card Replacement Fee $0
Early Account Closure $0
Monthly Fee $0
Online Bill Pay Fee $0
Wire Transfer Fee - Domestic (Incoming) $0
Wire Transfer Fee - International (Incoming) $0
Foreign Transaction Fee (Debit Card) 1%
NSF Fee $33
Overdraft Item Fee $33
Overdraft Protection Fee (per transfer) $31
Paper Statement Fee $4
Returned Deposit Fee (Domestic) $25
Returned Deposit Fee (International) $25
Stop Payment Fee $20
Wire Transfer Fee - Domestic (Outgoing) $15
Wire Transfer Fee - International (Outgoing) $45
ATM Fee: Out-of-Network Starting at $2.50
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Verification Documents Required
  • Proof of Income
  • Government Issued Photo ID
  • Social Security Number
Account Features
  • No ATM Fees
  • Free Bill Pay
  • Mobile Check Deposit
  • No Monthly Maintenance Fee
  • Nationwide ATM Network
  • Mobile Banking
  • Fraud Monitoring
  • Fraud Protection
  • Debit Card
  • Bauer Financial A+/A Rating
  • Insured by NCUA
Signup Bonus Starting at $0
APY (Annual Percentage Yield) 0%

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