Online & Mobile Banking FAQ

With the wide variety of financial services available to you online, there’s almost no need to leave your house to manage your money. Receive your paycheck electronically via direct deposit, then manage your funds and pay bills online without ever having to visit a Member Services Branch. Take advantage of some or all of the following free services to make your life easier!

Access your accounts anytime, anywhere for free! Check your balance, make transfers while waiting in line at the grocery store, or pay your bills while you watch TV at home. Coast Central Online & Mobile Banking is all about simplifying your financial life.

Get enrolled! Sign in using the LOGIN box in the upper right corner or lower right corner of this page.  Use these easy-to-follow First Time Login & Estatements Enrollment Guides.

• First Time Login/Estatements Guide – Personal
• First Time Login/Estatements Guide – Business
• By Phone: Just call (707) 445-8801 and follow the step-by-step instructions.

With Online & Mobile Banking, you can set up payees and pay bills directly from your CCCU account. Once logged in, click on “Bill Payment.”

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, various mobile phone service providers, and many more will accept this kind of payment. You may visit their website and sign up to pay your bills online.

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.

• Bill Pay Reference Guide

When you need to transfer money to a friend or colleague on-the-go, use Coast Central Popmoney! This Bill Pay feature allows you to send funds from your account directly to someone’s email address or mobile phone (via text message). They’ll be able to open the request and enter their account information, which initiates a transfer that will arrive within just a few business days.

• PopMoney Overview

E-Services are a quicker, more secure way to receive statements, letters, and even automatic account alerts from Coast Central. Instead of waiting for a paper statement to arrive in the mail, you’ll receive an email and/or text message notification that your latest statement is available. You’ll also be notified if you have new letters or other correspondence available to view. You can view or print your documents whenever you need to. Best of all, it’s free! E-Services also give you access to a variety of different account alerts (E-Alerts), which are customizable email and/or text notifications about activity on your accounts. You can choose to receive alerts when your checking balance goes below a certain threshold, when a loan payment is coming due, or for a number of other useful circumstances. You can even set up personal alerts to be delivered whenever you like, such as birthday notifications or appointment reminders.

Easily sign up for free Estatements instantly!  On the Main Menu within Online or Mobile Banking, click the Estatements & Alerts tab and follow the steps. You’ll use this same screen to manage your settings, set up new alerts, and view recent activity.

• E-Statement Enrollment First Time Login Guide

You can access coastccu.org (including all functions within Online Banking) via most smartphones and mobile devices. As long as you have the ability to easily navigate the Internet (scroll and zoom in/out), you should have no problem logging in and doing transactions just like you would at home or work. You can also use our free mobile app, available for Android and iOS. Simply download the app to your phone or tablet and log in as you normally would.

If you are experiencing login issues with our mobile app on your Android device, please try these steps:

1. Go to Device Settings
2. Find Apps
3. Find Coast Central Mobile
4. Tap on Storage
5. Tap on Clear Cache
6. Tap on Clear Data
7. Force close app and retry logging in

If login issues persist, please contact our Member Support Center at (707) 445-8801 and provide your device type, model and last attempted login time. This will assist us in helping you to resolve the issues as quickly as possible.

The Coast Central Card Control App gives you control and extra security every time you use your Visa Credit and Debit cards either locally or while traveling! Enrollment is quick and easy, just download from your app store.

• Card Control Quick Reference Guide

Use this guide to learn about:

• CheckFlash
• Text and Email Alerts
• Bill Payment
• Transfer Funds
• Make Loan Payments
• Add Accounts/Apply for Loans
• and more!

Click here for details on each option.

Quick Balance is a newer feature on our Mobile Banking app that allows you to get account balances in seconds.

• Click here for details.

Our personal financial tool allows you to manage all your finances at all institutions in one place. Set spending budgets, financial goals, and retirement planning. Try our MoneyMaster demo. Access your Online or Mobile Banking and select “MoneyMaster” to get started.

Existing or New CCCU Members:

1. Visit coastccu.org; click Login, Enroll, and then Personal
2. Complete the fields and input a Login ID
3. Choose the contact method you would like to receive a Secure Access Code
4. When prompted, enter the Code
5. Accept the Terms of Agreement
6. Verify your contact information (if needed, you can update once logged in)
7. Choose a password, decide if you would like to register your browser(or device), and click Submit
8. For Mobile Banking, next visit the app store on your smart phone and search “Coast Central Credit Union” to download our mobile app, then use the login credentials you established.

Existing or New CCCU Business Members:

1. Visit coastccu.org; click Login, Enroll, and then Business
2. Complete the fields and click Submit
3. Within 24 hours you should receive an email stating your enrollment is complete
4. Visit coastccu.org, click Login, and enter your Login ID, which is your Member Number
5. On the password screen, choose “I am a new user”
6. Enter your Login ID again
7. Choose a contact method to receive a Secure Access Code, and enter the code when received
8. Accept the Terms of Agreement, verify contact information,and select a new password
9. For Mobile Banking, next visit the app store on your smart phone and search “Coast Central Credit Union” to download our mobile app, then use the login credentials you established.

Registering your browser/device(in the last step) allows you to skip the Secure Access Code verification as long as you’re using the same computer/browser or device each time. This is not recommended if you’re using a public or shared computer.

Secure Access Codes utilize contact information on your account to verify your identity.If you’re comfortable,you may choose to skip this step by registering your browser. Keeping it enabled, however, adds an extra layer of account security.

Once logged in, you can view or update these options under Security Preferences in the Settings menu. By default, the system will pull in the contact information you have on file, but you can customize delivery methods to your liking.

If you received your code via text message, be sure that you’re entering the 6-digit code within the message and not the number the message is from. If you’re experiencing other problems,double-check the code and try again, or try sending yourself another code. Note: For security reasons,Secure Access Codes are only valid for a limited period of time. If it has been longer than 15 minutes since the original receipt, request a new code.

Occasionally, we will need to send you an email (or you will need to send one to us) that contains secure information, such as your social security number or your account details.

Why do we have a secure email system?

Your privacy and the security of your accounts is very important to us. If we need to send you information that may be sensitive (such as transaction information, or account numbers), it’s important that nobody but you can see it. Unfortunately, email may not always be secure–it has to pass through several other systems (such as your email provider’s computers) to get to you. We use technologies such as encryption to help protect messages, ensuring that nobody but you can read the email. However, any computers that had to pass that email on to get to you may still have copies of that message. The most effective way for us to protect you is to use this secure email service, which allows us to ensure that your information goes directly from us to you.

To read an email we’ve sent to you:

When we send you a secure email, you will get a message that says “You have received an encrypted message from Coast Central Credit Union.” that looks like this:

To access the message, open the attachment, and click the button labeled “Read Your Secure Message”.

If you haven’t received a secure message from us before, you will need to enter your name and create a password. If you have already enrolled, you will just need to enter your password:

Your email message will appear. From here, you will be able to use our system like any other email client, allowing you to print your message, download attachments or reply to your message.

Of course, if you have any questions, you are welcome to contact us or come into a location.

To send a secure email to us:

To securely communicate with us, there are two convenient options:

• • You can log in to Online Banking and:
    1. At the top right, select “Messages”
    2. Then choose “Member Services”, “Member Loan Services”, or “Member Business Services”, as appropriate.
    3. If you wish to attach a document, click the paper clip and select the desired file to send.

• If you don’t have Online Banking or need to send us a very large file, contact our Member Support Center at (707) 445-8801 and ask for us to send a Secure Email to you. Then you can simply open the email, reply, and attach any documents you’d like.

Both of these options provide a secure method of communicating with us on any topic, and you can safely include attachments.