Checking

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).  There is only one routing number for all members to use.

As long as your previous order was placed through Coast Central (or our check vendor, Deluxe) you may use any of the following options:

• Within Coast Central Online & Mobile Banking (click on “More Options” then “Reorder Checks”)
• Online through Deluxe.com
• Via phone (interactive voice response) at (877) 838-5287
• At any of our Member Services Branches
• Call our Member Support Center at (707) 445-8801

If you need to make changes to your address or other printed information on your checks, please visit us in person or speak with a Deluxe representative by phone.

If you see a transaction on your Coast Central Visa Debit Card you believe is unauthorized, first contact the company who made the charge at the number listed within the transaction (in your statement’s account history or online banking). Sometimes unexpected charges turn out to be legitimate, as the company name may vary. If you are confident the charge was unauthorized, you may pursue a Visa dispute. If you have general questions about the dispute process, our Member Digital Services Department can be reached at (707) 445-8801, ext. 1291.

To begin the dispute process, please call us at (866) 896-4689 and press option 4 to file a dispute.

Once the dispute has been filed, it will be reviewed and investigated. You may receive a letter in the mail asking for additional information. Please make sure your address is up to date on your account. Due to Visa time limit restrictions, you must provide requested information by the date listed on the letter. If the charge is found to be fraudulent or unauthorized, you will receive a credit for the charge. Please refer to our EFT Disclosure for specific details on error resolution.

Please note that if in fact you participated in the transaction(s), you will need to attempt to resolve the situation with the merchant (refer to their terms and conditions). For example, charges resulting from “free trial” periods generally do not qualify as unauthorized. If you complied with the merchant’s terms and conditions and are unable to resolve the situation, you may pursue a Visa dispute through Coast Central.

For merchandise charges
If you received merchandise and returned it for a refund, a dispute cannot be filed until 15 days after the return date to give the merchant time to issue a credit. If 15 days have passed and no credit has been received, you may pursue a Visa dispute. You must provide a copy of your shipping receipt showing the tracking number and that the package was insured.

ATM disputes
For ATM disputes on transactions made at one of Coast Central’s ATMs, please contact us to help resolve the issue. For ATM disputes on transactions made at any other ATM, please call us at (866) 896-4689 and press option 4 to file a dispute.

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 account. Ask them for any paperwork you may need to fill out or you may use our Direct Deposit Set-up Form.

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 at (707) 445-8801 or drop by any of our Member Services Branches to obtain your checking account number.

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.

Although our checking accounts theoretically come with monthly service charges, we offer many ways to have these automatically waived. Approximately 80% of our members pay no fees on their Basic Checking accounts by meeting one of the following qualifying factors:

Basic Checking Fee Waiver Qualifications

• Enrolled in monthly e-statement services
• Any direct deposit is made to the account during the month
• You have an open loan with a balance of $1,000 or higher (excluding Visas and lines of credit)
• You have a minimum daily balance in the account of $500 or more
• Your combined balances in all accounts at the credit union are $3,000 or higher
• The primary member on the account is age 60 or older (see “Primetime Checking” below)

Interest Checking Fee Waiver Qualifications

• Any direct deposit is made to the account during the month
• You have an open loan with a balance of $1,000 or higher (excluding Visas and lines of credit)
• Your combined balances in all accounts at the credit union are $5,000 or higher
• The primary member on the account is age 60 or older (see “Primetime Checking” below)

Some of these factors can be determined automatically by our computer system, but others (for instance, if the qualifying factor is established across multiple member numbers) may need to be brought to our attention. If you find that you’re paying a monthly service charge but do in fact meet one (or more) of the above qualifiers, please contact us.

Qualification for monthly fee waiver is evaluated on a month-to-month basis, with balance evaluations taking place on the 27th of each month.