Savings & Certificates

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.

If you are requesting that the deposit be made to a Savings account, your account number will be your member number, plus the applicable account type (e.g. S1). For processing purposes, many companies will require all digits (no letters) in an account number. In this case, use a “5” in place of the “S.” For example, a Membership Savings is called an S1, so you would tell your depositor to use the account number 12345S1, or 1234551. An S7 (Liquid Assets) would be 12345S7, or 1234557. An S7.1 account would be 12345571.

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.

Occasionally, an ATM or Point of Sale (POS) purchase will decline even when a member has overdraft protection. This occurs when funds are not present in the first or second designated savings accounts, because our system may time out before the third account on these types of transactions. If this occurs, please contact our Member Support Center for assistance.

If you have overdraft protection set up to draw funds from a line of credit or Visa card, transfers will fail if you are late on your loan payment (even by one day). Amending this situation should resolve the problem.

Overdraft protection can only transfer funds from available balances. If you have a check hold on one of your designated accounts or a pending ATM deposit, these funds cannot be used for overdraft protection until the hold is released. Likewise, the $50.00 held in your Membership Savings is unavailable for overdraft transfers.

As a credit union, we are owned by our members (as opposed to outside shareholders). This $50 represents your share of ownership and helps to conduct some of our day-to-day operations. Should you ever need to close your account after it’s been open more than 90 days, this $50 will be available to you in full.