Business Preferred Checking

Efficient money management leads to better results.

In dealing with daily finances, the goal is to get things done as effortlessly as possible. At CoastHills, our Business Preferred Checking provides all the tools needed to make that happen. Save money with low fees, make fast purchases with a Visa® debit card, pay bills electronically and move funds at a moment's notice with Online and Mobile Banking.

  • $1,500 minimum daily balance1
  • $10 monthly fee2
  • $100 opening deposit
  • 400 items processed per month ($0.20 each after)3
  • $2,500 cash deposits per month ($2 per $1,000 each after)

Way beyond paper

Even if your business uses traditional checks, our digital banking tools can save you time and money.

Avoid service charges

$10 monthly fee waived if your average daily balance is $1,500 or more.

400 free transactions

Only $0.20 per additional transactions if you exceed 400 during the month.

Complimentary overdraft protection

With all those funds moving into and out of your account, negative balances can occur.

CoastHills Credit Union is a full-service financial institution with 12 Central Coast locations throughout Santa Barbara and San Luis Obispo counties.

1 Average Daily Balance Requirement.
2 Monthly fee waived if minimum average daily balance requirement is met.
3 $0.20 per item for each additional item deposited/paper check/debited item posted which exceeds the allowable combined total per statement cycle.
4 For accounts open >90 days. CoastHills is not obligated to pay any item presented for payment against a member’s account if the account does not have sufficient funds. CoastHills may refuse to pay an overdraft even if we have previously paid overdrafts for that member. A member must “Opt-In” for Overdraft Privilege to cover everyday debit card transactions. A member who has previously opted-out of Overdraft Privilege must meet the same qualifications as new members. A $32 fee will be assessed for each item that brings your account negative. Whether we pay or return an item, your account will be assessed a fee, either a Overdraft Privilege charge or a Non-Sufficient Funds charge, but not both. Members will be notified of any non-sufficient funds items paid or returned.


Your questions answered

You can find your account number by logging in to CoastHills Online or Mobile Banking. Select the account, then the Account Details drop down. From there, you'll see the ACH number, which is your 13-digit account number.

Travel notes cannot be placed over the phone. To place a note on your account, you can send a secure message in CoastHills Online Banking or visit a CoastHills branch. 

To send a secure message, log in to CoastHills Online Banking. Select Additional Services, then Secure Messaging. Underneath the search bar, you'll click New Message and complete the ticket.

For mobile, you'll select More from the bottom of your screen, then Secure Messaging. Click on New Message and complete the ticket.

The CoastHills routing number is 322270822

Your checking account number starts with 18, followed by 0's up until your reach your Member Number. For example: 180000012345 is your checking account number. 12345 is your member number.

Your savings are federally insured by the National Credit Union Administration (NCUA), to at least $250,000 and backed by the full faith and credit of the United States Government.

To learn more about federally insured savings coverage, give us a call at (805) 733-7600 or make an appointment at one of our 12 local branches.

Business Online Banking

Manage your CoastHills business accounts on your terms with online banking.

Learn More

Here to help

No matter your inquiry, give us a call at (805) 733-7600, toll-free at (800) 262-4488, or use one of our other convenient contact methods.