Checking Accounts

Options to fit all of your personal banking needs.

Security. Accessibility. Convenience.  

From Free Checking with eStatements to earning dividends, Cal Coast has a variety of banking options to help you better manage your money easily and securely.

View Rates

Compare Checking Accounts

Free Checking with eStatements Extra Value Checking Dividend Checking Ultra Performance Checking
Monthly Fee $0 $3.75 $8 Waived with $1,500 min. daily balance $20 Waived with $15,000 min. daily balance
Minimum Opening Deposit $25 $25 $25 $1,000
Minimum Daily Balance None None $1,500 $15,000
Dividends None Paid None Paid Paid with $50 minimum balance Tiered Rates for higher dividends

All Accounts Include

Free with your Account

  • Access to 30,000 CO-OP® ATMs nationwide
  • Unlimited check writing
  • Branch transactions
  • eStatements
  • Courtesy Pay and Debit Courtesy Pay available

Banking on the Go

  • Free online and mobile banking3
  • Free Bill Pay
  • Mobile deposit
  • PayItNow person-to-person payments4
  • Paperless eStatements
  • Telephone banking

Debit MasterCard with Chip

  • Use your Debit MasterCard® with Chip to access your money at any ATM with the CO-OP®, Mastercard, Maestro®, Cirrus, or PULSE® logos
  • More convenient than checks or cash
  • Advanced security with EMV Chip technology
  • Purchase protection with Smart Shopper Benefits (Extended Warranty Insurance, Price Protection and a Satisfaction Guarantee)
Mastercard Sweepstakes

You could become a Priceless Surprises® Winner, too!

Automatically get entered-to-win a $500 Mastercard Prepaid® card or a trip to New York, Los Angeles, Miami, or Chicago by simply using your Cal Coast Credit or Debit Mastercard on everyday purchases.1

To learn more, view prizes and see the official rules, visit the 2023 priceless™ Surprises® for Community Institutions website. 

Don't have a Cal Coast card already? Get a free debit card by opening a Cal Coast Checking Account or explore our Cal Coast Credit Card options.2

Open Checking

Open Credit Card

Early Paycheck

Get Your Paycheck Early

If you have a Cal Coast checking account with Direct Deposit, then you may have noticed that your last paycheck was deposited a couple days early . . . that's right — it wasn't a fluke!

Open a checking account today or enroll in Direct Deposit to take advantage and get paid earlier. 

Investments and Retirement

Expert Financial Planning and Investment Services

California Coast Financial Services is dedicated to providing members with sound retirement planning and investment services with the exceptional level of member service that you have come to expect. 

APY = Annual Percentage Yield. Rates are accurate as of 03/12/2024. Rates and terms are subject to change without notice. Visit or visit one of our branch locations for details on rates, fees, and minimum balance requirements. Membership and credit subject to approval. Serving everyone who lives or works in San Diego or Riverside counties. A one-time $5 membership fee and savings account required. Restrictions apply. 

1.    NO PURCHASE NECESSARY. Void where prohibited. Existing Mastercard cardholders who are U.S. res 18+ before 3/1/23. PIN-based debit, int'l & corp. transactions ineligible. Ends 12/31/23. View Official Rules

2.    You must be a cardholder prior to 3/1/23 to be eligible for the 2023 Mastercard Priceless Surprises Sweepstakes. Any new cardholders who acquire a card after that date are not eligible for the 2023 sweeps. 

3.    Check with your wireless provider to determine if data and text messaging rates apply.

4.    Maximum transfer amount is $1,000. There is no fee to use this service. Learn More.

Contact Me

Have questions? Want more information? We’re more than happy to get in touch. Let’s Talk. Just complete the form.