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Access Account

Access granted to fee-free banking.
Your money. Your way.

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No surprise fees. No daily minimums. No worries.

You’ll have easy access to your money with an instant issue Cal Coast Debit Mastercard®, simple tools to track your money, pay bills, and free 1:1 financial coaching to meet your budgeting goals.

Bank with confidence

With the Access Account you’ll never have to worry about keeping a minimum daily balance, or getting surprise overdraft fees, so you can feel confident about maintaining control of your money and achieving your goals.

Key Account Benefits: 
  • No minimum daily balance requirements
  • No overdraft/NSF fees
  • Low minimum opening deposit requirement of $25  
  • Instant issue Cal Coast debit card - Powered by Mastercard®
  • Lock your lost/stolen debit card immediately from Cal Coast Mobile App1
  • Free debt consolidation & payoff planning with 1:1 Financial Coaching
  • Never spend more than you have with balance alerts sent directly to your phone1
Additional Account Benefits: 
  • Get paid up to two days early with direct deposit2
  • Send money to friends and family with PayNow
  • Free eStatements
  • Debit cards Tap & Mobile Wallet enable
  • Check balances and pay bills with Online & Mobile Banking1
Benefits and Perks

Why Join?

  • Refer your friends to Cal Coast and earn extra cash3
  • Exclusive member discounts and perks
  • 26 branches and growing

Advanced Security Debit Cards

California Coast Debit Mastercard® included

Each California Coast checking account comes with a FREE California Coast Debit Mastercard®. It’s a “must-have” wherever you go—because it gives you 24/7 access to your cash and lets you make purchases wherever you see the Mastercard® logo. Whether for cash on the go or for purchases, our card fraud protection program always protects you and your money. Learn more about our new contactless debit and credit cards!

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Access Account limitations: Access account is not eligible for Debit Card Courtesy Pay or Courtesy Pay. Not eligible for check orders through California Coast Credit Union. Membership and credit subject to approval. Serving everyone who lives or works in San Diego, Riverside, Imperial, Orange, Los Angeles, Ventura, and San Bernardino counties. A one-time $5 membership fee and savings account required. 

1. Mobile and data rates apply. 2. Direct Deposit maybe credited up to 2 business days prior to the designated payment date if provided by the payer. Actual deposit date is not guaranteed. 3. Referring members can earn up to a maximum of $500 in referral bonuses per calendar year. Referring members must be at least 18 or older to participate in the Coast into Cash referral program. Up to $150 maximum referral bonus will be deposited into the referring member’s savings account when the new member’s qualifying accounts are opened/loan(s) are funded; $50 membership referral paid when new member opens a membership, an additional $25 paid if new member funds an auto loan within the first 30 days, and an additional $75 paid if new member funds a home loan within the first 120 days. Excludes credit cards and lines of credit. Any party involved in connection with the real estate transaction, including Real Estate agents, are not eligible for this offer. New members must be at least 13 or older to qualify as a referral in the program. Ages 13 through 15 require a parent or guardian to be joint on the account. One-time $50 dividend bonus paid into new member savings account when they deposit $50 into their account and open a checking account with eStatements. New member can also qualify for the $50 dividend bonus if they fund an auto loan and deposit $50 into their account. The $50 deposit must be maintained until dividend bonus is paid. Accounts must be opened and $50 deposited within 30 days of membership date to be eligible for the $50 dividend bonus. Additional $75 dividend bonus paid when real estate loan funds within the first 120 days. Bonus subject to tax reporting. New member eligible for one $50 incentive. The recipient is responsible for any federal, state or local taxes on this offer. Limited time offer; program subject to change without notice. Membership and credit subject to approval.

Mastercard is a registered trademark, and the circles design are trademark, of Mastercard International

Serving anyone who lives or works in San Diego, Riverside, Orange, Los Angeles, Ventura, Imperial, or San Bernardino counties. Im testing this website

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ABA/Routing No: 322281578
NMLS ID# 407951