Online & Mobile Banking FAQ

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General Questions

What is Online & Mobile Banking?

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.


How can I pay bills electronically?

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.


What are E-Services (E-Statements, E-Notices, & E-Alerts)?

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.


How do I access Mobile Banking?

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.


What is Card Control?

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


How do I enroll in Online Banking?

Existing or New CCCU Members:

  1. Download the app or go to
  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
  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.


What are Secure Access Codes?

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.


What is Secure Email and how do I use it?

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:

screen grab of secure email form

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.


CheckFlash Mobile Deposit

What is CheckFlash?

Within Mobile Banking, CheckFlash allows you to make deposits anytime, from anywhere by simply taking a picture of the front and back of the check.


How Does CheckFlash Work?

On the Coast Central Mobile App click on the Menu, then CheckFlash Icon at the bottom of your screen. On the back of the check, you are required to write ‘Mobile Deposit Only’ and provide your signature. Then follow the steps to enter which account, the amount, and then take a picture of the front and back of your check. Note that up to $225 is immediately available. Any remaining amount of the check deposit should be available within 24 hours. Checks deposited Friday-Sunday may experience longer holds on funds.


What Do I Do With My Check After I Make a Deposit?

After you’re done with your deposit, we recommend keeping your check for at least 7 days in case there are any questions. It may be helpful to write yourself a note on the check (such as “deposited with CheckFlash”). After that time, you may destroy the check however you like.


How Soon Can I Use Funds I Deposit?

In most cases, your deposits follow our standard availability policy (similar to deposits at an ATM). There may be some rare cases where there are additional delays (such as during system maintenance). Note that checks may be subject to our hold policy, which may cause delays in availability. For clarification on our check hold and availability policies, please contact us.


How Much Can I Deposit?

You can use CheckFlash as much as you’d like. The standard limit is $10,000 in deposits per business day (deposits made after midnight or on weekends/holidays count toward the next business day).


How do I Get CheckFlash?

CheckFlash is part of the Coast Central Mobile app. Just click on the menu, and you’ll see a tab to click called, “CheckFlash Deposit”. If you don’t see the tab, see “Why am I Getting an Error?” below.

If you’re not already using our mobile app, download it from your Android or iOS device (see Technical Requirements below).



Am I Able to Use CheckFlash?

While there are a few prerequisites to being able to deposit checks, they aren’t very complicated. You do need to:

  • Have a checking account
  • Be at least 18 years old
  • Have an email address on file with us
  • Have a current postal address on file with us
  • Have your accounts in good standing with us

CheckFlash won’t work in certain situations, such as if you have delinquent loans or a frozen account. If you feel you should be able to deposit checks but aren’t able to, please contact us.


Tips for Best Results with CheckFlash
  • Properly fill out the check and write clearly.
    A properly filled-out check, with clearly written text, is easier to photograph. The app electronically reads handwriting, and the more it can read, the better the chance it will be accepted.
  • Enter the correct amount of the deposit in the CheckFlash app.
    A check may be rejected or delayed if you put a different amount in the app than is written on the check.
  • Avoid stray marks on the check.
    Similar to writing clearly, stray marks may make it harder for the app to read your handwriting.
  • Take the clearest picture you can.
    Blurry pictures and pictures with poor lighting make it harder to process. While our app is good at reading writing, it does need a good sample to read! (A tip: after you’ve taken the picture of your check, you can zoom in by tapping the small image of the check. If it’s hard for you to read, you may want to try taking it again.)
  • Line up your check in the camera window.
    If your camera provides alignment marks, use them. Try to get the check image to fill the screen and make sure the entire check is visible. Also, try to get the picture “straight on” to the check, not off at an angle.
  • Try to get the strongest signal you can.
    In order to submit your check image, you need a good connection to the internet. Try to get the strongest signal you can. If it’s taking a while to send in your check (or the loading “spinner” isn’t going away), look for a place with a stronger connection or connect to wi-fi.



Why am I Getting an Error?

There are several reasons you may see an error while you’re using CheckFlash. Many issues can be corrected by following our tips, but you may have a specific issue you are encountering.

  • The deposit icon is spinning constantly
    You most likely have an issue with your signal strength. Try moving to a location with a stronger signal. You may need to completely exit the app and start over if you are “stuck” in the loading screen.
  • You get the error “You have exceeded your daily deposit limit”
    Each member is limited to $5,000 in total deposits each business day. If you go over this limit in part or in whole, your deposit may be held for review or rejected. Please note that deposits made until 11:59pm are counted toward the current business day. Also, deposits made on weekends and holidays count toward the next business day’s limit.
  • You get the error “Check appears to have been deposited earlier”
    The CheckFlash service is able to determine duplicate submissions using the routing information and check number. If this check has already been deposited (either using CheckFlash or another check deposit service), you will not be able to deposit it again. If you are confident that you have not already deposited the check, you can deposit it at any ATM, by coming in to any office, or by mailing it to us.
  • You get the error “Front or back image cannot be processed”
    The check image wasn’t able to be read by our app. Either your device’s camera isn’t high enough quality (at least 1.9MP with autofocus), or the check image was blurry or otherwise unreadable. Click “back” to try depositing it again.



I Have Another Question that Isn’t Covered Here

If you are still having trouble, you can contact us, or you can come in to any Member Services Branch. We will be happy to help you!


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