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PERSONAL BANKING

Being member owned means what matters to you, matters to us.

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New members can get up to $400 cash.3

We're for real.

You shouldn’t have to settle for sleepless nights worrying about debt, or have to give up on your goals because you’re not sure how to pay for them. As a financial cooperative, we’ve been member owned for over 80 years so we actually care how things turn out for you. 

Our advisors take the time to learn what really matters to you and they’ll support you every step of the way. Switch to Coast Capital and see what it’s like to have a real partner.

Become a member in as little as 5 minutes online.

When you join Coast Capital, you open an account and purchase $5 in membership equity shares. And just like that, you own a piece of Coast Capital.

Or connect with us.

Give us a call at 1.888.517.7000 or book an appointment to meet with us in person or over the phone.

For a limited time, get up to $400* cash when you become a member and open a free chequing account. *Conditions apply. Learn more

Get up to $350* when you become a member.

LIMITED TIME

Plus, enjoy no monthly fees with our Free Chequing, Free Debit, and More Account®.

*Conditions apply.

Get up to $350* when you become a member.

LIMITED TIME

Plus, enjoy no monthly fees with our Free Chequing, Free Debit, and More Account®.

*Conditions apply.

Experience the difference a real financial partner makes.

Creating a better life for yourself and your family shouldn’t be a dream.
We’re here to help you with your real goals and real challenges so you can live the real life you want.
Real Partnership Real Partnership

As a member-owned financial cooperative for over 80 years, if it matters to you it matters to us. We work hard to understand members personally, so we can help you build a plan to live the real life you want.

Real Advice Real Advice

Our members are our shareholders, so your success is our success. Our focus is to educate and guide you to the right financial solutions with clear, simple and personalized advice that you can feel confident about.

Real Impact Real Impact

As a Certified B Corp we want a more sustainable world for all. That’s why we reinvest 10% of our profits to unlocking financial opportunities for our members, employees and communities to build better futures.

Transparency Transparency
We will simplify complicated financial jargon and offer clear advice so you truly understand your finances. 

Looking for something specific?

Anything you need, we have you covered

You deserve more than a place to put your money. You deserve a partner that will guide you through customized financial solutions, and empower you and your community to find financial peace of mind.

Save up to $200 in annual account fees1 with our Free Chequing, Free Debit, and More Account®.

We’re proud to have been the first full-service institution in Canada to offer a free chequing account. Why? Because we believe that it proves that everyday banking shouldn’t be expensive.

  • No monthly fees
  • No minimum balance required
  • Unlimited day-to-day transactions2

Take the first step towards your best future with Money Chat.

Money Chat is our free online tool with the power and resources to help you reach your financial goals. Co-designed with our members and employees, Money Chat is the first step to help you understand your current financial health, where you want to go and how to get there.


Work with a Wealth advisor that’s in your corner.

Our Investment Team is here to help you navigate the world of investing and build the right plan just for you. We break everything down in a clear and simple way so you truly understand and feel confident in your path forward. Through real conversations and actionable advice, we’ll make sure you’re making real progress that you can feel excited about.

We’re member owned, so If it matters to you it matters to us.

Creating a better life for yourself and your family shouldn’t be a dream. We’re here to help you with your real goals and real challenges so you can live the real life you want.

Superior products and services

Free Chequing, Free Debit, and More Account®

We mean it when we say we work in your best interest to put money back in your pocket. We’re proud to have been the first full-service institution in Canada to offer a free chequing account. Why? Because it proved that everyday banking shouldn’t be expensive.

So, enjoy a chequing account with free day-to-day transactions and no minimum balance required.

  • No monthly fees
  • Unlimited day-to-day transactions1
  • Free in-branch, online or phone bill payment

Free Chequing, Free Debit, and More Account®

We mean it when we say we work in your best interest to put money back in your pocket. We’re proud to have been the first full-service institution in Canada to offer a free chequing account. Why? Because it proved that everyday banking shouldn’t be expensive.

So, enjoy a chequing account with free day-to-day transactions and no minimum balance required.

  • No monthly fees
  • Unlimited day-to-day transactions1
  • Free in-branch, online or phone bill payment

Day to Day Banking
We have all your day-to-day needs covered with withdrawals, transfers, ATM transactions, payments, pre-authorized payments, and cheques. We keep everyday banking simple and affordable.
Mortgages

Put more towards your home and less towards interest when you take advantage of our competitive rates and speak with our team of financial experts to find the right mortgage for you.

Loans

Together we’ll work with you to figure out lending that’s right for you and your situation whether you’re in need of a student loan, a new car or a loan to top up this year’s RRSP contribution.

Investments

We give honest, realistic and personalized advice. If you just started your savings journey or are a seasoned investor, we’re here to empower you to achieve what’s important in your life.

Best-in-class digital banking.

Money Manager

Money Manager is our free, personal financial management tool that gives you the control to make smart, informed decisions with your money. Track your spending, set budgets, monitor your progress towards your goals and pay down your debt more effectively. All in one convenient place.

Money Manager

Money Manager is our free, personal financial management tool that gives you the control to make smart, informed decisions with your money. Track your spending, set budgets, monitor your progress towards your goals and pay down your debt more effectively. All in one convenient place.

Everyday Transactions Simplified

Pay bills, transfer money and even deposit cheques by snapping a photo through our mobile app. Learn more

Debit Card Management

Can’t find your debit card? You can lock it to prevent unauthorized use, and unlock it once you find it. Learn more

Digital Void Cheque

Download a personalized void cheque to easily set up pre-authorized credits and debits like your payroll. Learn more

Help empower financial well-being in your community

We strategically invest and work alongside our community partners to break down the barriers that young people face.

Every year, Coast Capital invests 10% of our budgeted bottom line back into our communities with a focus on youth. Just in 2019, we invested $6 million in our local communities. Since 2000, that's more than $83 million.

Through our Youth Community Investment Program, we focus our support on helping youth:

  • Build a strong financial future
  • Succeed during their school years
  • Prepare for the world of work
  • Address basic, social, emotional and physical needs (unless we remove these barriers, it’s doubly difficult for youth to focus on their finances)

See what it’s like to have a real partner.
We believe every Canadian deserves a financial partner that actually cares how things turn out for you. Join us today.

Say goodbye to the big banks.

At Coast Capital Savings we ask our members: How can we help you? It's not just a clever tagline. It's our mission to provide simple financial help.

Jargon and charts that require a decoder ring to crack are not part of our process. That's why we help our members reach their financial goals in a simple and straightforward way. Because money matters shouldn't make your brain explode.

Members get banking choice.

Over 50 branch locations, complete with helpful staff.

And many are open until 7pm and on Saturdays. Find a branch

4,000+ ding free® ATMs across Canada.
Use your debit card at thousands of ding free® ATMs on THE EXCHANGE or Acculink Network. Find an ATM
Talk to real, live, trained people.
Our Contact Centre is open 
Mon-Sat, 8am-8pm
Sun, 9am-5:30pm 

Give us a shout

Coast Online ® & Mobile Banking

Bank anytime, anywhere.

Do your banking wherever you are with Coast Online & Coast Mobile Banking. We also have an app for iPhone and Android.

Deposit cheques.

Use Deposit On-the-go to deposit a cheque with your mobile phone in a snap.

Move your money.

Send or receive money securely with INTERAC®* e-Transfers.

Coast Online ® & Mobile Banking

Bank anytime, anywhere.

Do your banking wherever you are with Coast Online & Coast Mobile Banking. We also have an app for iPhone and Android.

Deposit cheques.

Use Deposit On-the-go to deposit a cheque with your mobile phone in a snap.

Move your money.

Send or receive money securely with INTERAC®* e-Transfers.

Terms and Conditions

  1. Fee savings based on comparisons to average fees on chequing products charged by other Canadian financial institutions.
  2. Transactions include cheques, Coast Capital Savings® and EXCHANGE Network ATM withdrawals, Interac® Direct Payment, preauthorized payments, Coast-by-Phone® bill payments, Coast Online® Banking bill payments and in-branch withdrawals, transfers and bill payments. Deposits and self-serve (Coast Capital Savings® ATM, Coast-by-Phone® and Coast Online® Banking) transfers are free.
    Additional network ATM transactions are subject to the fees listed. Surcharges from other financial institution ATMs are excluded.




Let some air out of your fees.

Get a $300 bonus4, plus no monthly fees1 with our Free Chequing, Free Debit and More Account®.

No monthly fee, no matter what your balance is.

Unlike the competitors, you don’t need to keep a minimum balance in your account to get your fee waived. Our free chequing account is free no matter how much money you have in your account.


No charge for day-to-day transactions. No matter what they are.

Make as many transactions2 as your heart desires. Get unlimited day-to-day transactions, free in-branch, online or by phone bill payments and free preauthorized bill payments.

Thousands of surcharge-free ATMs.

In addition to Coast Capital ATMs, make free withdrawals and deposits at 4,000+ EXCHANGE® Network ATMs across Canada.

Coast Online and Mobile Banking.

You can send and receive money with INTERAC® e-Transfers, make deposits by taking a photo of a cheque and get a snapshot of accounts in one convenient spot with our Take Charge Money Manager.

Say goodbye to your monthly account fee.

Scotia One Chequing Account

$13.95

$167.40
CIBC Smart Account
$14.95
$179.40
Join now and get $300.

Just meet one of the two criteria within 90 days of opening your membership.4

This offer applies to new members only.


    1. Source: Statistics Canada Table 203-0021 - Survey of household spending (SHS), household spending, Canada, regions and provinces, annual (dollars).
    2. Transactions include cheques, Coast Capital Savings® and EXCHANGE Network ATM withdrawals, Interac® Direct Payment, preauthorized payments, Coast-by-Phone® bill payments, Coast Online® Banking bill payments and in-branch withdrawals, transfers and bill payments. Deposits and self-serve (Coast Capital Savings® ATM, Coast-by-Phone® and Coast Online® Banking) transfers are free. Additional network ATM transactions are subject to the fees listed. Surcharges from other financial institution ATMs are excluded.
    3. Monthly Account Fee information is based on information published on the websites of TD Canada Trust®, BMO Bank of Montreal®, Scotiabank®, RBC® , and CIBC® as of February 21, 2019. Monthly Account Fee applies if the account holder does not meet the minimum daily balance requirements to waive the Monthly Account Fee in the case of TD Unlimited Chequing Account, BMO Performance Plan, Scotia One Chequing Account and RBC Signature No Limit Banking. Monthly Account Fee applies if the account holder makes eight or more day-to-day transactions.
    4. The Coast Capital Savings Federal Credit Union (the “Credit Union”) New Member Bonus Offer (the “Offer”) of $300 is available between July 1, 2019 and September 30, 2019 to New Members who (i) open a membership with the Credit Union and a Chequing Account (the “Account”) and switch their eligible payroll direct deposit or other recurring direct deposit, or (ii) set up an eligible recurring preauthorized payment of at least $50. The first qualifying payroll direct deposit or other recurring direct deposit must be received within 90 days of successfully opening a membership and an Account. The first and second withdrawal taken from the Account for the pre-authorized payment must be successfully withdrawn within 90 days of successfully opening an Account. For Joint Memberships and Joint Accounts, only the Primary Member is eligible to receive the Offer. Staff of the Credit Union are not eligible for the Offer. New Members must be ages 18 or older and must be residents of Canada (excludes Quebec) in order to be eligible for the Offer. New members must not have been members with Coast Capital Savings since January 2014. The $300 bonus will be paid within 30 days of eligibility criteria being met. Limit of one $300 bonus per person.
      1. Payroll direct deposit or other recurring direct deposit conditions
        Deposits categorized under the Canadian Payment Association code as payroll qualify for the Offer. In addition, pension, Employment Insurance, Old Age Security, Canadian Pension Plan, Workers Compensation, Parental Assistance and Income Security Benefit deposits qualify for the Offer.
      2. Preauthorized bill payment conditions
        This includes preauthorized bill payments or preauthorized loan, mortgage or credit card payments. It does not include transfers into other accounts or into accounts with other financial institutions.

    The Credit Union reserves the right to terminate the Offer at any time.

             Coast Capital Savings Federal Credit Union is a member of the CDIC. For information on changes to deposit insurance and the transition period, see our Statement of Transitional Coverage.