Checking

Discover what a checking is all about. No matter how you like to manage your checking, we have the right account for you. Along with convenience, you'll enjoy many benefits whether choosing our Regular Checking Account, our dividend-earning Bonus Checking, our Cash Back Checking that helps you save money or our RealTunes Checking where Teens can earn refunds on purchases made on iTunes or Amazon.

No Monthly Fee
MasterCard Debit Card
Online Check Images
Online eStatements
Free Bill Pay
24/7 Audio Response (Call-24)
24/7 Online Banking (Web-24)
Mobile App
Mobile Deposits
Overdraft Protection
Overdraft Privilege
Advantage Benefit Package (optional add-on)
Totally Free and Surcharge Free ATM Access

Regular Checking

Don't be fooled by other checking accounts. This account has no minimum balance requirement and no monthly fees. Conveniently access your money through Online Banking (Web-24), Audio Response (Call-24) and totally free and surcharge free ATMs.

Apply for a Regular Checking Today!

Account Disclosure

Bonus Checking

Stop paying for ATM fees. Earn high monthly interest AND nationwide ATM fee refunds up to $25 with Bonus Checking plus there's no minimum balance to earn rewards. Qualifying is easy. Just complete 4 simple things each monthly qualification cycle. Things you probably already do such as:

Have at least 10 debit card purchases post and settle ($5 minimum)
Have at least 1 direct deposit or automatic payment (ACH) post and settle
Be enrolled and log into Online Banking (Web-24)
Be enrolled and receive eStatements

Account transactions and activities may take one or more days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for the account's rewards. "Monthly Qualification Cycle" means the current statement cycle. Visit our website for specific Monthly Qualification Cycle dates. When your Bonus Checking account qualifications are met during a Monthly Qualification Cycle, average daily balances up to and including $10,000 in your Bonus Checking account earn a dividend rate of 3.50% resulting in an APY of 3.56%; and average daily balances over $10,000 earn a dividend rate of 0.50 % on the portion of the average daily balance over $10,000 resulting in a range from 3.56% to 0.50% APY depending on the account's average daily balance. You will receive reimbursements up to $25 for nationwide ATM withdrawal fees incurred within your Bonus Checking account during the Monthly Qualification Cycle in which you qualified. When your Bonus Checking qualifications are not met, the dividend rate earned on the account's entire average daily balance will be 0.01% resulting in an annual percentage yield of 0.01% and ATM withdrawal fees are not refunded. Dividends will be credited to your Bonus Checking account on the first processing/business day of the following statement cycle. Nationwide ATM withdrawal fee reimbursements will be credited to your account on the first processing/business day of the following statement cycle. APY = Annual Percentage Yield. APYs accurate as of 08/01/2023. Rates, rewards, and bonuses, if any, are variable and may change after account is opened; rates may change without notice to you. No minimum balance is required to earn or receive the account's rewards. Rewards less than a penny cannot be distributed. Fees may reduce earnings. Membership restrictions may apply. Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. $50 minimum deposit is required to open the account. There are no recurring monthly maintenance charges or fees to open or close this account. Advertised information and rewards are based on all account qualifications being met during each cycle period. Contact one of our credit union service representatives for additional information, account details, restrictions, reward calculations, processing limitations, cycle dates and enrollment instructions. Federally insured by NCUA. Bonus Checking is a trademark of Kasasa, Ltd., registered in the U.S.A.

2025 Qualification Calendar

Apply Today!

Account Disclosure

Cash Back Checking

It’s the account that puts cash back in your wallet just by using your CoastLife CU debit card. Enjoy the rewards of nationwide ATM fee refunds up to $25 plus up to 2.5% cash back on your debit card purchases (up to $300) each qualification cycle. That’s extra money in your pocket. And there's no minimum balance to get your rewards! All you have to do is meet the 4 qualifications per qualification cycle.

Have at least 10 debit card purchases post and settle ($5 minimum)
Have at least 1 direct deposit or automatic payment (ACH) post and settle
Be enrolled and log into Online Banking (Web-24)
Be enrolled and receive eStatements

Account transactions and activities may take one or more days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for the account's rewards. "Monthly Qualification Cycle" means the current statement cycle. Visit our website for specific Monthly Qualification Cycle dates. When CashBack Checking qualifications are met during a Monthly Qualification Cycle, you will receive 2.5% cash back on up to a total of $300 of debit card purchases that post and settle to the account during that cycle period. A maximum of $7.50 cash back payments may be earned per Monthly Qualification Cycle. You will receive reimbursements up to $25 for nationwide ATM withdrawal fees incurred within your CashBack Checking account during the Monthly Qualification Cycle in which you qualified. When your CashBack Checking account qualifications are not met, no cash back payments are made and ATM withdrawal fees are not refunded. Cash back payments and nationwide ATM withdrawal fee reimbursements will be credited to your CashBack Checking account on the first processing/business day of the following statement cycle. Rates, rewards, and bonuses, if any, are variable and may change after account is opened; rates may change without notice to you. No minimum balance is required to earn or receive the account's rewards. Rewards less than a penny cannot be distributed. Membership restrictions may apply. Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. $50 minimum deposit is required to open the account. There are no recurring monthly maintenance charges or fees to open or close this account. Advertised information and rewards are based on all account qualifications being met during each cycle period. Contact one of our credit union service representatives for additional information, account details, restrictions, reward calculations, processing limitations, cycle dates and enrollment instructions. Federally insured by NCUA. CashBack Checking is a trademark of Kasasa, Ltd., registered in the U.S.A.

2025 Qualification Calendar

Apply Today!

Account Disclosure

RealTunes Checking (Teen Checking)

This account really rocks and is perfect for teens (ages 11-18). It’s a big responsibility to manage your own money in your own checking account, but CoastLife CU makes it easy! Not only does it offer nationwide ATM fee refunds up to $25, but it also refunds monthly downloads from iTunes or Amazon up to $10 each month (if qualifications are met). Earn a $20 download refund just for opening the account. If your child downloads digital media, then this is the account for them. Start them on the right financial journey early so they can learn to manage money for the future.

Monthly Cycle Qualifications

Have at least 10 debit card purchases post and settle ($5 minimum)
Be enrolled and log into Online Banking (Web-24)
Be enrolled and receive eStatements

A parent or guardian must be joint on the account for members 11-15 years of age. As a bonus to individuals who open and fund a new REALTunes account, our credit union will refund up to an aggregate total of $20 (which includes any applicable taxes) for any iTunes, Amazon.com or Google Play purchases made with your REALTunes debit card that post and settle to the account within the first 60 calendar days after your account is opened. This refund will be credited to your account on the first processing/business day of the following statement cycle in which your aggregate iTunes, Amazon.com, Google Play purchase threshold of $20 posts and settles to your account. No minimum balance is required to obtain this bonus. $50 minimum deposit is required to open the account. Account transactions and activities may take one or more days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for the accounts rewards. "Monthly Qualification Cycle" means the current statement cycle. Visit our website or contact one of our branch service representatives for specific Monthly Qualification Cycle dates. When your REALTunes account qualifications are met during a Monthly Qualification Cycle, you will receive up to an aggregate total of $10 (which includes any applicable taxes) in refunds for any iTunes, Amazon.com or Google Play purchases. In order to be refunded, iTunes, Amazon.com, Google Play purchases must be made with your REALTunes debit card and must post and settle to your account before the Monthly Qualification Cycle in which you qualified ends. You will receive reimbursements up to $25 for nationwide ATM withdrawal fees incurred within your REALTunes account during the Monthly Qualification Cycle in which you qualified. When your REALTunes account qualifications are not met, iTunes, Amazon.com and Google Play purchases and ATM withdrawal fees are not refunded. iTunes, Amazon.com and Google Play purchase reimbursements and nationwide ATM withdrawal fee reimbursements will be credited to your REALTunes account on the first processing/business day of the following statement cycle. Rates, rewards, and bonuses, if any, are variable and may change after account is opened; rates may change without notice to you. No minimum balance is required to earn or receive the account's rewards. Rewards less than a penny cannot be distributed. Membership restrictions may apply. Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. $50 minimum deposit is required to open the account. There are no recurring monthly maintenance charges or fees to open or close this account. Advertised information and rewards are based on all account qualifications being met during each cycle period. Contact one of our credit union service representatives for additional information, account details, restrictions, reward calculations, processing limitations, cycle dates and enrollment instructions. Federally insured by NCUA. iTunes is a registered trademark of Apple, Inc. Amazon.com is a registered trademark of Amazon.com. Google Play is a registered trademark of Google, Inc. Apple Inc., Amazon.com and Google, Inc. are not participants in or sponsors of this program. REALTunes is a trademark of Kasasa, Ltd., registered in the U.S.A.

2025 Qualification Calendar

Apply Today!

Account Disclosure

View Current Rates