Freedom Plus

For your everyday banking. Enjoy easy access and no fees with Freedom Plus Checking.

Totally free checking... plus a lot more! You use your checking account for everything - from grocery shopping to paying bills and everywhere in between.

You need a checking account that gives you the most access to your money with the fewest restrictions. A CoastHills Freedom Plus Checking account has all that, plus you'll earn high dividends, which is essentially earning extra money for doing practically nothing.

More perks with Freedom Plus Checking:

No monthly fees


Earn up to 0.50% APY1,2


Access to more than 30,000 fee-free ATMs nationwide

Direct Deposit

Get your paycheck up to 2 days sooner with direct deposit3

Zero hassle

Never pay for unauthorized charges on your debit card with Visa's Zero Liability Policy4

All your accounts in one place with CoastHills Money Management.
Money Management is a FREE to use budgeting tool built right into Online and Mobile Banking, so you won’t need to download another app. Bring all your finances together in one place, giving you a more complete picture of your financial health. From there, you’ll receive personalized budgets, debt paydown strategies, spend tracking and so much more.

Ready to get started? 

Schedule an appointment with a Relationship Specialist at one of our 12 local branches or give us a call at (805) 733-7600.

The Pros and Cons of a High-Dividend Checking Account

In this article, you'll learn a few advantages to having your funds in a high-dividend checking account.

1 APY= Annual Percentage Yield. Rate effective April 17, 2024. High dividend of 0.50% APY will be paid on qualifying balances up to and including $25,000. Base dividend of 0.05% APY will be paid on balances that do not qualify for high dividend, and for all qualifying balances over $25,000. 
2 Criteria required each month to receive high dividend APY: receive a minimum of one direct deposit of at least $100 to the checking account or complete a check or cash deposit of at least $500 each month, 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. Minimum balance to open is $50. There are no minimum daily balance requirements.
3 Early ACH direct deposits determined by timing of the submission of the payment file from the payer. We generally make these funds available on the day the payment file is received, which may be up to two days earlier than the scheduled payment date.
4 Visa's Zero Liability policy does not apply to unauthorized transactions on prepaid cards for which the issuing financial institution has not collected the cardholder's personal information prior to the transaction or to certain commercial card transactions. Cardholders must use care in protecting their card and notify their financial institution immediately of any unauthorized use. Cardholders should contact their issuing financial institution for additional details.

Not a member of CoastHills? Join today to experience Banking the Central Coast Way.