High-dividend, free checking loaded with fantastic perks

Most free checking accounts are simply a place to hold your money. With a CoastHills Freedom Plus Checking account, not only will you have $0 in monthly fees, but you'll also earn high dividends, which is essentially earning extra money for doing practically nothing.

Getting started

It only takes a balance of $50 to open your Freedom Plus Checking account - with no minimum daily balance requirements.

More money for you

Earn 0.50% APY on balances up to $25,000 and 0.05% APY on balances over $25,000.1,2

Top-notch tech

Enjoy anytime money management with Online and Mobile Banking tools, including BillPay and mobile check deposit.

A convenient card

Free Visa® debit card makes it easy to shop online or at millions of locations worldwide.

Visa® Zero Liability

You won't be held responsible for unauthorized purchases made with your debit card.³

Stay on top of things

eStatements put important account information at your fingertips.

Safe and secure

Your savings are federally insured up to $250,000 by the NCUA and you can visit us to explore ways to potentially increase this coverage.

Money-making opportunity

Earn high dividends on balances up to $25,000 when you meet the following criteria:

  • Minimum $100 monthly direct deposit into your checking account
  • Minimum 10 debit card transactions (not including ATM and BillPay transactions)
  • Receive eStatements (and not paper statements)
  • Maintain a valid email address with CoastHills

Otherwise, you'll still earn 0.05% APY - and you'll earn 0.05% on balances over $25,000.

¹ APY= Annual Percentage Yield. Rate effective March 1, 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 If there is an unauthorized use of your Visa Debit Card or a Plus network or Interlink transaction, and the transaction takes place on the Visa network, then your liability will be zero ($0.00). This provision limiting your liability does not apply to Visa Corporate Card or Visa Purchasing Card Transactions, ATM cash disbursements processed on non-Visa or non-Plus networks, or non-Visa PIN-less debit transactions. Additionally, your liability with respect to unauthorized transactions may be greater than the above zero ($0.00) liability limit , to the extent allowed under applicable law, if the credit union reasonably determines, based on substantial evidence, that you were grossly negligent or fraudulent in the handling of your account or card. In any case, to minimize your potential liability, you should notify us of any unauthorized use no later than 60 days after your statement was mailed to you.

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

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


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.

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Here to help

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