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Coast Hills

CoastHills Checking

We’re ready with three checking accounts that include:

Visa® Debit card, online banking, mobile app, WebBill Pay, overdraft protection available, unlimited check writing, and easy check reordersTake a look. Take your time. See which one fits your lifestyle best:

  Dividends paid Monthly service charge Balance to open Perfect for Direct deposit required ATM fee refunds
SuperReady Checking
Open an account
Yes Free when all criteria is met2 $502 Earning a 1.25% APY with no minimum balance1 Yes Up to $10 per month4
ReadyPlus Checking
Open an account
Yes Free with balance above $2,500 (otherwise, $10) $2,500 Maintaing a higher balance checking account No No
Ready Checking
Open an account
No Free when all criteria is met5   $502 Increasing your earning potential. Members 16 – 25 years old, or serving in the U.S. military
(it’s free to you!)
No No

Personalized Instant Issue Debit Cards

We now offer personalized debit cards for our members! You can upload your favorite picture to create your very own, one-of-a-kind card. Click here to visit our custom card creation website and you’ll be using your new card in no time! You can even choose to pick up your new card at our Lompoc, Vandenberg Village, Santa Maria or San Luis Obispo branches! Call (800) 262-4488 for details.

We also offer Second Chance Checking

It’s a sensible solution for anyone rebuilding their checking history. Maintain your account for one year with no overdrawn fees, and you’ll be eligible to convert to any of our other checking accounts.*



* Visa Debit card, Online & mobile banking, WebBill Pay and Overdraft protection are not available with the Second Chance Checking.
1 Dividends will be determined by the periodic dividend rate, indexed at 80% of the Federal Reserve Target Rate. Dividends will be paid up to and including $25,000.
2 Criteria required each month to receive benefits and avoid a $5 monthly fee: receive a minimum of one direct deposit of at least $100 to the checking account, perform a minimum of 10 debit card transactions (ATM and BillPay transactions not included), sign up to receive eStatements only, and maintain a valid email address on file with CoastHills.
3 Minimum balance to open is $50. There are no minimum daily balance requirements.
4 Foreign ATM fees will be reimbursed up to $10 per month (domestic charges reimbursed up to $4.75 per transaction; international charges reimbursed $2.00 per transaction; POS fees will not be reimbursed).
5 See rate sheet for current rate.
6 Monthly service fee of $5 will be waived if any of the following requirements are met by the primary account holder: under 25 years of age, actively serving in the U. S. Military, account meets all criteria for SuperReady checking (see #2 above) or by maintaining an average monthly aggregate deposit balance of $2,500 or more.

All account openings subject to verification by ChexSystem, a consumer reporting agency, and Credit Union approval.

AnyTime Online Mobile Banking

A nice way to say “hi” to your money.

We make it easy to stay connected to your money—wherever your adventures take you. Use your smartphone or mobile device to stay on top of your finances, check account balances, pay bills, set up alerts, even make remote deposits (it’s as easy as taking a picture). The app is free and available at the Apple App Store and Google Play.

33,000 ATMs
Real Estate Loan

Real Estate Loans

Let's buy a house together.

Our real estate lending team can help guide you through one of life’s biggest financial decisions—buying or refinancing a home. And with many different ways to borrow, you’ll have a monthly payment that fits you like a comfy pair of socks. Learn more