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How do I set up a direct deposit to my account?
Incoming direct deposits are set up on the depositor's end (usually an employer or government agency). They will need Coast Central's routing number and your account number in order to initiate direct
deposits to your checking. Ask them for any paperwork you may need to fill out (none will be necessary on our end).
Coast Central's routing number is 321172248. If you have checks, this will appear in the line of numbers at the bottom of each one, followed by the check number.
Your checking account number will appear here as well (12 digits), on the right. If you don't use checks, you can call us or drop by any of our locations to obtain your checking account number.
If you are requesting that the deposit be made to a savings account, your account number will be your member number, plus the applicable account type (e.g. S1). For processing purposes, many companies will require
all digits (no letters) in an account number. In this case, please use a "5" in place of the "S." For example, a Membership Savings is called an S1, so you would tell your depositor to use the account
number 12345S1, or 1234551. An S7 (Liquid Assets) would be 12345S7, or 1234557. An S7.1 account would be 12345571.
You may receive a letter (or E-Letter, if you're subscribed to our E-Statements services) notifying you that a direct deposit will soon begin for your account. This is simply a required notification
confirming that your deposit has been set up properly.
To change the account to which your direct deposit is sent, please update the depositor with your new information.
Why do I have to keep $50 in my Membership Savings?
As a credit union, we are owned by our members (as opposed to outside shareholders). This $50 represents your share of ownership and helps to conduct some of our day-to-day operations. Should you ever need to close your
account after it's been open more than 90 days, this $50 will be available to you in full.
What happens if someone writes me a bad check?
If a check you deposit has to be returned for insufficient funds, your account will be charged a $5.00 fee and the amount of the check will be deducted as well. If you cashed all or part of the check,
this could trigger an overdraft situation (but you will not be charged an additional fee for having a negative balance). You will need to contact the person who
wrote you the check to ask about repayment.
If you ever have any doubts as to the authenticity of a check or whether it might bounce, it's always a good idea to hold those funds in your account for several business days to make sure the check clears.
What is my routing/transit number?
Coast Central's routing number (also known as a transit number) is 321172248. This will appear in the line of numbers at the bottom of your checks, followed by the check number, then followed by your
12-digit checking account number (which is different from your member number).
How can I pay my bills?
These days, there are a lot more ways to pay bills besides cash or a check. Coast Central Online, our online banking system, can help you set up payees and request cashier's checks to be mailed to
any payee of your choice.
Depending upon the person or company you're paying, you may also be able to set up bill pay via ACH (Automated Clearing House) transfers or credit/debit card payments online. Companies like PG&E, AT&T, City Garbage of Eureka, various
mobile phone service providers, and many more will accept this kind of payment. You may either visit their website and sign up to pay your bills online, or manage many bills from one place with a site
like MyCheckFree.
To set up electronic payments from your account, you will need your routing number and account number. You can use the same guidelines as above,
regarding direct deposits, to obtain the appropriate numbers.
You may receive a letter (or E-Letter, if you're subscribed to our E-Statements services) notifying you that an automatic transfer will soon begin from your account. This is simply a required notification
confirming that your transfer relationship has been set up properly.
Where can I go for help with credit counseling?
Whether you live locally or out of the area, you can call Consumer Credit Counseling Services (CCCS) at 1-800-762-1811. Their office is located in Arcata, but they can help no matter where you are located.
To locate another credit counseling service near you, you may also call the National Foundation for Credit Counseling (NFCC) at 1-800-388-2227.
Website Links:
Consumer Credit Counseling Service
National Foundation for Credit Counseling
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