High dividends and identity protection take this account to the next level

Super Checking lives up to its billing by offering two features rarely found in the same checking account. First, it pays dividends on deposits, meaning your checking account multi-tasks as a savings tool. Second, you'll breathe easier with identity theft services, credit monitoring and other forms of protection to keep your finances safe, sound and secure.

Low fees

You get a long list of money management features and other services for just $5.95 each month.

Earning power

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

Personal protection

IDProtect® offers total identity monitoring, ID theft resolution and free credit bureau reports.3

Phone coverage

Receive up to $400 in replacement or repair costs if your cell phone is stolen or damaged in the U.S. or abroad.3

ATM fee reimbursement

Get up to $10 back every month.4

Time-saving tech

Manage your money anytime with Online and Mobile Banking, including electronic BillPay and mobile check deposit.

A winning card

Shop online and at millions of locations worldwide with a free Visa® debit card.

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.

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% APR - and you'll earn 0.05% for each $100 above $25,000.

We make it easy to keep your family finances safer with IDProtect®.

  • 3-in-1 credit file monitoring.
  • Three-bureau credit report
  • Identity theft resolution
  • Identity fraud expense reimbursement coverage**
  • Total identity monitoring

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

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 and to receive ATM refunds (ATM refunds only available on Super Checking accounts): 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
IDProtect® Service and Cellular Telephone Protection
Identity theft protection for Super Checking account holders and eligible family members with our comprehensive identity theft protection service includes credit file monitoring, 3-in-1 credit report, continuous monitoring of more than 1,000 public databases, identity fraud expense reimbursement, fully managed identity theft resolution services, and more. Registration and activation is required to receive some of these benefits. Cellular telephone protection is available for Super Checking account holders to receive up to $400 per claim of replacement or repair costs for damage or theft for the first four cellular telephones listed on a bill paid through a Super Checking account for the billing cycle preceding the month in which damage or theft occurred. Cellular Telephone Protection is subject to a $50 co-payment per claim and a maximum of two cellular telephone protection claims per year. IDProtect® service is a personal identity theft protection service available to Super Checking account owners, their joint account owners and their eligible family members. The service is available to non-publicly traded businesses and their business owner(s) listed on the account and their eligible family members (service not available to employees or authorized signers who are not owners). Service is not available to a “signer” on the account who is not an account owner. Service is not available to clubs, organizations and/or churches and their members, schools and their employees/students. For revocable grantor trusts, the service is available only when a grantor is serving as a trustee and covers the grantor trustee(s) and their eligible family members. For all other fiduciary accounts, the service covers the beneficiary, who must be the primary member, and their eligible family members (fiduciary is not covered). Family includes: Spouse, persons qualifying as domestic partner, and children under the 25 years of age and parents(s) of the account holder who are residents in the same household. Special insurance program notes: the descriptions herein are summaries only. They do not include all terms, conditions and exclusions of the policies described. Please refer to the actual policies for complete details of coverage and exclusions. Insurance is offered through the company named on the certificate of insurance. Insurance products are not a deposit; not NCUA insured; not an obligation of the Credit Union; and not guaranteed by the Credit Union or any affiliated entity.
** Identity Theft Insurance underwritten by insurance company subsidiaries or affiliates of American Insurance Group (AIG) Inc. The description herein is a summary and intended for informational purposes only and does not include all terms, conditions and exclusions of the policies described. Please refer to the actual policies for terms, conditions, and exclusions of coverage. Coverage may not be available in all jurisdictions.

 For Super Checking only: 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).

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

FAQs

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, toll-free at (800) 262-4488, or use one of our other convenient contact methods.