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. 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. Our advanced technology, comprehensive Online & Mobile Banking system is designed to keep pace with your needs now and into the future.

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.

• Personal Online & Mobile Banking/E-Statements Enrollment Guide
• Business Online & Mobile Banking/E-Statements Enrollment Guide
• 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, go to the Menu and click on “Bill Pay.”

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

E-Services allow you to stay one step ahead with statements, notices, and alerts all sent electronically! You can view or print statements, get alerts for account activity, and set-up reminders about upcoming payments or appointments.

Sign up by selecting the Menu on Online or Mobile Banking, then click E-Statements & Notices, and follow the steps. You’ll use this same screen to manage settings, set up new alerts, and view recent activity. You can also go to our Messages & Alerts section on the Menu to set up Transaction and Security Alerts.

• E-Statement and Personal Online Enrollment Guide

Download the Coast Central Mobile Banking app on your App Store, available for Android and iOS and then Enroll. You can also access Online Banking at the top right corner of this site’s home page.

Card Control gives you control and extra security every time you use your Visa Credit and Debit cards either locally or while traveling!

Existing or New CCCU Members:

1. Download the app or go to coastccu.org
2. Click Enroll
3. Select Personal or Business, then enter your Social Security Number/ITIN or Business EIN and Member Number for Account Number. Note: those without a SSN or ITIN will be provided an Enrollment Code to enter here.
4. Click Continue.
5. Verify your email address shown. If correct, click Continue, if not, call Member Support at the number listed and we will assist you.
6. You may continue to use your existing username and password unless: Your current username = your member number. This is no longer valid and you must choose a new username. Or your current password does not meet the requirements listed.
7. Click Continue.
8. Review your information, read the Terms & Conditions, and click on the acknowledgement box.
9. Click Confirm and Enroll.
10. You should see this screen. Click Return to login. Next you’ll use your username and password to log into and begin using the new system!

Existing or New CCCU Business Members:

1. Download the app or go to coastccu.org.
2. Click Enroll.
3. Click the Business radio buton.
4. Enter the TIN used for the business (this may either be an SSN or EIN depending on the business).
5. Enter the Member Number of the business account and click Continue.
6. Verify the email address associated with the business account then click Continue. Note: If the business does not have an email on file with the Credit Union click Continue to select a phone number to send a secure access code to. If all contact information is not current, an authorized signer of the business account will need to contact Coast Central to update the information.
7. Create a username and password then click Continue.
8. Review the username, read, and agree to the Terms & Conditions.
9. Click Confirm and Enroll.
10. Return to the login page and login. Note: If an ACH user, contact Member Business Services to activate your ACH services immediately or access will be available the following business day.

Secure Access Codes utilize contact information on your account to verify your identity, confirm contact updates, and register a new device for logins. You can receive Codes via a home phone if it is capable of receiving SMS texts.  When you provide updated information to us in person or by phone, that will be automatically updated for Secure Access Codes. Note that scammers often pose as CCCU employees and ask for your Code to gain access to your account.  Actual employees will never request this information.  If anyone does, it’s a scam and you should not act.

To update contact information yourself in Online or Mobile Banking, from the Menu, under Contacts & Settings, click Contact Information, then the category of information you want to update. Click the pencil to edit and input the updated information, then click Save. To set up various alerts, under Messages & Alerts, click Security Alerts, click again, then toggle your choices. You can also click Delivery preferences to determine how you’d like to receive the alerts.

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.