Need help? Many common questions can be answered here, so find your topic below and click for the answer. If you can’t find it or need clarification, please feel free to contact us.
Personal Accounts & Cards
Online & Mobile Banking
Block a Card
Has your Visa Credit or Debit Card been lost or stolen? Contact Visa immediately to make a report:
When calling this number please have prepared:
- The last 4 digits of your Social Security Number.
- The full number of the compromised card.
- Your billing zip code.
- A list of all fraudulent transactions including the exact date of each transaction and the amount charged.
Your card will be blocked and a new Visa card number will be issued automatically. Your new card will be mailed and should arrive in about 7 to 10 business days.
Please note that only future transactions can be blocked; any existing or pending charges (as of the time the card was blocked) will still go through. If you have concerns about pending charges, please contact our Member Support Center.
Unblock a Card
If you receive a call, email, or text from our Risk Management team regarding possible fraudulent activity on your Coast Central Visa Debit or Credit card, they will provide you with the contact information needed to either confirm or deny fraudulent activity. Unusual out-of-the-area transaction activity is often what triggers these blocks, so the phone number is also provided below for those who may be traveling and need to unblock their card(s):
Activate a Card
If you’ve received a new Visa Credit or Debit card and need to activate it, please contact Visa to enable it for immediate use. Once you activate your card, stay on the line to set your PIN. You may also visit any of our Member Services Branches to set or change your PIN.
Was your card blocked?
Country blocks and restrictions placed on Credit and Debit Cards are becoming more and more of an unfortunate reality within all financial institutions. This is due to the rising high fraud that is occurring in particular countries, states, cities or particular types of merchants; all of which we monitor constantly to protect you. Unfortunately, sometimes these blocks can interfere with your travel plans. If you know you are planning a trip, please make sure to notify us so that we can exclude you from any restrictions that may be placed in the area you are traveling to. As always, you can contact us if you have any questions.
Coast Central is dedicated to keeping your personal information secure and confidential. However, many identity thieves obtain information through other means. The following information is intended to keep you informed and to help you protect yourself against identity theft.
- Federal Trade Commission (FTC): Provides information on how to “deter, detect, and defend” against identity theft, including information for consumers, businesses, law enforcement, military and media. Includes how to file a complaint and how to recover from identity theft.
- California Office of Privacy Protection: Identity theft consumer education site with information on knowing your rights and how to tell if you’ve been a victim, with additional focus on cases involving children and the deceased. Includes how to organize your identity theft case and links to other helpful resources.
The National Credit Union Administration (NCUA) insures your share accounts up to at least $250,000, backed by the full faith and credit of the United States government.
The information below will help you determine your current insurance coverage, and how to maximize this coverage with joint accounts, trust accounts, Individual Retirement Accounts (IRAs), and more.
The standard share insurance amount is $250,000 per share owner, per insured credit union, for each account ownership category. The $250,000 standard share insurance account became permanent through the Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010.
NCUA Tools & Publications
- Share Insurance Toolkit – includes calculators and FAQs
- How Your Accounts Are Federally Insured (PDF) – brief brochure on coverage
- Your Insured Funds (PDF) – full, in-depth brochure
We take pride in the soundness of our institution. Please feel free to check Coast Central’s ratings with independent financial institution rating companies. Click the link below to view recent reports and let us know if you have any questions.
The following are key documents and disclosures pertaining to your Coast Central accounts. Some are required about our terms and conditions, while others are provided to help you understand your accounts better. Our disclosures may be updated at any time, but we will notify you of significant changes that will affect your account. Please feel free to contact us if you have any questions or concerns.
Membership Information & Disclosures
- Online Banking Terms & Conditions
- Digital Wallet Terms & Conditions
- Mobile Deposit Terms & Conditions
- EFT (Electronic Funds Transfer) Disclosure
- E-Statements (E-Services) Terms & Conditions
- Important Account Information Booklet (Business Accounts)
- Important Account Information Booklet (Personal Accounts)
- Change in Term Notice
- Courtesy Pay Overdraft Protection Policy
- Courtesy Pay & Overdraft Protection Services
- Patriot Act Disclosure
- Schedule of Fees (Personal Accounts)
- Schedule of Fees (Business Accounts)
- Notice of Change in Terms Funds Availability
- NCUA: Your Insured Funds
- NCUA: How Your Accounts Are Federally Insured
Visa Credit & Debit Cards
- NCUA: Your Insured Funds
Looking to add a Coast Central service to your account? The following are some of the common forms and applications you might need for adding to or updating your account.
When you complete and turn in one of our secure online applications, our staff will begin processing your information and contact you promptly to follow up. Printed forms generally require a signature, so for the fastest service, please print and return them to one of our locations. Applications can also be submitted by mail to: CCCU, 2650 Harrison Avenue, Eureka, CA 95501