All Together Now

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.

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.