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Coast Capital Unlimited Chequing Account
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The banking features you want for less, with Unlimited Chequing.

Regular monthly fee: $8.50
Monthly fee for Students1 (25 years old and under): $0
Note: Regular fee will automatically apply when someone turns 26 years old.

  • Banking is simplified with free Interac e-Transfers and unlimited day-to-day transactions2, making it easier to manage your money and split costs with friends.
  • Free withdrawals and deposits at Coast Capital ATMs and 4,000+ The Exchange® Network ATMs across Canada.
  • Protect your credit score and personal information online with ID Assist® 24/7 identity theft protection, valued at $96/year, ensuring your online presence stays secure.

Trying to find the right account for you? Check out our chequing accounts >

Student Banking Packages

Whether you're still in school, working part-time or just starting your career, we have banking solutions that can help set you up for future success. Choose the right solution for you based on where you're at. These are recommended packages but not our full product selection. Our team is ready to meet with you and to build a plan.

Note for Trades students and apprentices: If you're older than 25, back in program and maybe not receiving a pay cheque, ensure you have Employee Insurance or another direct deposit set up to maintain a chequing account monthly fee discount.

Choose from x of x products
Coast Capital Unlimited Chequing Account
Get unlimited day-to-day transactions†, including free e-Transfers for a waivable monthly fee.
  • $8.50/month or less‡
  • Unlimited day-to-day transactions†, including free Interac e-Transfers
  • One free book of 25 single Canadian cheques per year
  • Free paper or e-Statements
  • Plus, ID Assist® 24/7 online identity theft protection monitoring for no extra charge (Value $96/year)
  • Click here for service fees

Learn more

Open account

† Read terms and conditions.

Terms and Conditions

† Transactions include cheques drawn on the account, Coast Capital® and THE EXCHANGE® Network ATM withdrawals, Interac Direct Payment, pre-authorized payments, bill payments, transfers (between Coast Capital accounts), and withdrawals (in-branch/self serve). Deposits and electronic transfers (between Coast Capital accounts) performed via Coast Capital ® ATM, Coast-by-Phone®, and Coast Capital digital banking are free & unlimited.

‡ Pay $0/month if you: 

  • are 25 years of age or younger; or
  • are 59 years of age or older; or
  • maintain a minimum $4,000 daily balance at all times throughout the calendar month.

Or pay $3.50/month when you set up and deposit monthly payroll or another eligible direct deposit into the account. Eligible transaction codes include the following; Payroll: 200-207; Pension: 230-233, 310-312, 315-316; Govt Payment: 313, 318, 600-607; Gig Payroll: 450

ID Assist®, Sigma Loyalty Group Inc. and all associated marks and logos are trademarks owned or used under license.

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Classic Mastercard®
Low-Interest Rate, Annual fee $20.
13.99 %
Purchases
13.99 %
Cash Advances
  • Purchase Protection, Extended Warranty Insurance, and Mobile Device Insurance7

Learn more

Apply now
† Read terms and conditions

Terms and Conditions.

* Insurance coverage is underwritten by American Bankers Insurance Company of Florida (ABIC). ABIC, its subsidiaries, and affiliates carry on business in Canada under the name of Assurant®. Assurant® is a registered trademark of Assurant, Inc. Details of insurance coverage, including definitions, benefits, limitations and exclusions, are in the Certificate of Insurance. The Certificate of Insurance is available online here. Insurance coverage is subject to change.

® The Collabria Mastercard is issued by Collabria Financial Services Inc. pursuant to a license from Mastercard International Incorporated. ®Mastercard and the circles design are registered trademarks of Mastercard International Incorporated.

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Student Line of Credit†
A Student line of credit is a borrowing product designed specifically for students to help pay for post-secondary education expenses.
  • Line of Credit limits of up to $40,000 (up to $10,000 per year of study)
  • Competitive interest rate of Prime +2%, as of July 11, 2023, the interest rate is 9.20%.‡
  • Re-borrow funds at any time up to the pre-set limit
  • After you finish school, there is a 12 month grace period of interest only payments, before you have to start repaying the principal amount.
Apply online
† Read terms and conditions.

Terms and Conditions.

† Subject to Coast Capital standard lending policies and criteria. Personal guarantee(s), security, and additional documentation may be required. Fees may apply. Other conditions may apply.

‡ Rates subject to changes without notice. Refer to coastcapitalsavings.com/rates for our current rates.

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Best Rate
High-Interest Savings Account
Your savings don't need to be locked away. Get a great rate and easy access to your money.
0.40 %
interest rate†
  • No monthly fee
  • 2 free monthly transactions‡
  • $5 per additional transaction
  • Sending an e-Transfer $1.50 each; receiving e-Transfers is free
  • Click here for service fees

Learn more

Open account
† Read terms and conditions.

Terms and Conditions.

† Interest is calculated at this rate on the closing daily balance and paid monthly. Refer to coastcapitalsavings.com/rates/personal-and-business for our current rates and more information on how interest will be calculated.

‡ Transactions include Coast Capital® and THE EXCHANGE® Network ATM withdrawals, Interac Direct Payment, preauthorized payments, in branch transfers (between Coast Capital accounts), bill payments and withdrawals (in branch/self serve). Deposits and electronic transfers (between Coast Capital accounts) performed via Coast Capital ATM, Coast-by-Phone and Coast Capital digital banking are free & unlimited.

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Best Features
Coast Capital Elevate Chequing Account
Unlock premium banking benefits, plus free access to Coursera’s global learning platform that could help you advance your career and potentially get paid more.
  • $16.95/month or less†
  • Premium banking benefits like free Interac e-Transfers, more included ATM transactions, credit card rebates and more.
  • Plus, free access to Coursera’s 13,000+ online courses and professional certificates (Value $538/year)‡
  • And ID Assist® 24/7 online identity theft protection monitoring with password manager (Value $156/year)
  • Click here for service fees

Learn more

 

Open account

† Read terms and conditions.

Terms and Conditions.

† Pay $8.50/month if you: 

  • are 25 years of age or younger; or
  • are 59 years of age or older; or
  • maintain a minimum $4,000 daily balance at all times throughout the calendar month.

Or pay $11.95/month when you set up and deposit monthly payroll or another eligible direct deposit into the account. Eligible transaction codes include the following; Payroll:  200-207; Pension:  230-233, 310-312, 315-316; Govt Payment: 313, 318, 600-607; Gig Payroll:  450


‡ Coursera is an online learning platform offering multiple continuing education opportunities from leading universities and institutions. The products offered by Coursera can, but do not guarantee to, help users advance, relaunch, or improve their earning potential in their careers. As a bonus on their Coast Capital Elevate Chequing Account, a primary account holder will receive one (1) free Coursera for Business license for the account holder’s personal use. This license will be associated with the primary account holder’s email address on Coast Capital’s records. Only one (1) license can be associated with an email address to open a Coursera account, and if a primary account holder opens two (2) or more Coast Capital Elevate Chequing Accounts, the primary account holder must provide a unique email for each Account in order to receive one (1) bonus license per each opened Account. A license will be valid for the period the primary account holder maintains a Coast Capital Elevate Chequing Account in good standing. A license has a monetary value of CAD 538 per year or a monthly monetary value of CAD 79 as of January 1, 2024. No substitutions will be allowed. Coast Capital may allow, at its sole discretion, transfers of a license to another individual as decided by the primary account holder. The license may be subject to content, course, and program exclusions or limitations at the sole discretion of Coursera. The use of the license will be exclusively subject to Coursera’s terms, conditions, and policies. Details regarding Coursera’s products, terms, conditions, and policies can be found at https://www.coursera.org/

ID Assist®, Sigma Loyalty Group Inc. and all associated marks and logos are trademarks owned or used under license.

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Free Chequing, Free Debit, and More Account®
Meet your essential banking needs, without a monthly fee or minimum balance required.
  • No monthly fee
  • Unlimited day-to-day transactions†
  • Sending an e-Transfer $1.50 each; receiving e-Transfers is free
  • Free withdrawals and deposits at 4,000+ ding free® ATMs across Canada
  • Free eStatements (Online)‡
  • Overdraft Protection on approved credit
  • Click here for service fees

Learn more

Open account

† Read terms and conditions.

Terms and Conditions

† Transactions include cheques drawn on the account, Coast Capital ® and THE EXCHANGE® Network ATM withdrawals, Interac Direct Payment, pre-authorized payments, bill payments, transfers (between Coast Capital accounts), and withdrawals (in-branch/self serve). Deposits and electronic transfers (between Coast Capital accounts) performed via Coast Capital ® ATM, Coast-by-Phone®, and Coast Capital digital banking are free and unlimited.

‡ Low-Cost Account: Our Free Chequing, Free Debit & More Account meets our public commitment to ensure that members have access to basic banking services at a nominal cost. If printed statements are requested instead of eStatements, this account costs $3/month. If you are a student, youth, Guaranteed Income Supplement recipient, or Registered Disability Savings Plan (RDSP) beneficiary, you may request printed statements at no charge. Call our Advice Centre or visit a branch to find out more information.

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Centra Gold Mastercard®
Low-Interest Rates and Earn Rewards. Annual Fee $50.
12.99 %
Purchases
12.99 %
Cash Advances
  • 1 point for every $1 spent on all purchases1
  • Purchase Protection7, Extended Warranty Insurance7, and Mobile Device Insurance7

Learn more

Apply now
† Read terms and conditions

Terms and Conditions.

* Insurance coverage is underwritten by American Bankers Insurance Company of Florida (ABIC). ABIC, its subsidiaries, and affiliates carry on business in Canada under the name of Assurant®. Assurant® is a registered trademark of Assurant, Inc. Details of insurance coverage, including definitions, benefits, limitations and exclusions, are in the Certificate of Insurance. The Certificate of Insurance is available online here. Insurance coverage is subject to change.

® The Collabria Mastercard is issued by Collabria Financial Services Inc. pursuant to a license from Mastercard International Incorporated. ®Mastercard and the circles design are registered trademarks of Mastercard International Incorporated.

†No reward limits on select cards. For full details, please see the Rewards Terms & Conditions of this card.

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Looking to boost your earning potential with professional skills?

Discover the Elevate Chequing Account that has preimum banking benefits, plus free access to Coursera's global learning platform that could help you advance your career with in-demand skills.
Discover the elevate account
Three women sitting at table. Two women are facing camera and the one woman has her back to the camera. Three women sitting at table. Two women are facing camera and the one woman has her back to the camera.

Set yourself up for success with expert advice.

Unsure about managing the costs of education, living costs, and student debts? Become a member and our expert advisors will help you build a complimentary plan that is right for you, so that you can concentrate on your studies.

  • A personalized assessment of your financial health
  • Tailored recommendations to help you achieve your goals
  • Tools, calculators and articles to help you stay on top of your money
Book Appointment

Set yourself up for success with expert advice.

Unsure about managing the costs of education, living costs, and student debts? Become a member and our expert advisors will help you build a complimentary plan that is right for you, so that you can concentrate on your studies.

  • A personalized assessment of your financial health
  • Tailored recommendations to help you achieve your goals
  • Tools, calculators and articles to help you stay on top of your money
Book Appointment
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Ranked #1 on Mobile Experience in 2023 by Surviscor - Canadian Credit Unions

Access award-winning digital banking right from your mobile device.

Use your mobile app to bank on-the-go. Manage transfers, deposits, and more with ease from your device, anytime, anywhere.

Get started

App Store   Google Play

Ranked #1 on Mobile Experience in 2023 by Surviscor - Canadian Credit Unions

Access award-winning digital banking right from your mobile device.

Use your mobile app to bank on-the-go. Manage transfers, deposits, and more with ease from your device, anytime, anywhere.

Get started

App Store   Google Play

Deposit cheques anytime, anywhere and send e-Transfers with our mobile app

Go cashless with Apple Pay

Get a snapshot of your budget, spending and all other bank accounts in one place

Use your phone's fingerprint or face scan to securely log in to your digital banking

How to manage your money through Trades school.

Navigating the work-education cycle as an apprentice can be challenging but we're here to help. From budgeting to planning for when you're back in program, this online module includes advice that's right for you. Want to learn more about how you can plan for your trades education and apprenticeship? Book an appointment with one of our advisors.

Book Appointment

Need help getting set up? Let's chat.

Talk with our team to get the advice and access to the tools you need to support your studies.

Book appointment

1.888.517.7000

CDIC Deposit ProtectionCDIC Deposit Protection

Coast Capital Savings Federal Credit Union is a member of the Canada Deposit Insurance Corporation (CDIC). More CDIC information

Want to compare our accounts with accounts at other financial institutions? Use the Financial Consumer Agency of Canada Account Comparison Tool

Only deposits payable in Canada are eligible to be insured under the Canada Deposit Insurance Corporation Act.

1. Pay $0/month if you:
are 25 years of age or younger or
are 59 years of age or older or
maintain a minimum $4,000 daily balance at all times throughout the calendar month.

Or pay $3.50/month when you set up and deposit monthly payroll or another eligible direct deposit into the account. Eligible payroll or direct deposit transaction codes include the following: Payroll (200-207), Pension (230-233, 310-312, and 315-316), Govt Payment (313, 318, 328 and 600-607), or deposits from employers approved by Coast Capital (Doordash, Skip the Dishes, Uber, Uber Eats, Lyft, Avon, Youngliving, Fantuan Asian Food Delivery).

2. Transactions include cheques drawn on the account, Coast Capital® and THE EXCHANGE® Network ATM withdrawals, Interac Direct Payment, pre-authorized payments, bill payments, transfers (between Coast Capital accounts), and withdrawals (in-branch/self-serve). Deposits and electronic transfers (between Cost Capital accounts) performed via Coast Capital ® ATM, Coast-by-Phone®, and Coast Capital digital banking are free & unlimited.