Resources and FAQs | Coast Capital Savings

To set up

Sign in to digital banking through a computer
From the menu, click Bill Payments, then Pay Business Taxes
Choose a membership that you would like to associate with your CRA Program Account Number
Click Add payment type
Select CRA payment type and choose Payroll and source deduction
Enter in your CRA program account number, select the membership(s) you would like to add it to then click Continue
Review the information for accuracy and click Submit

To pay

From the menu, choose Pay Business Taxes, and then select the membership that you had associated with your CRA Program Account Number
Choose Payroll and source deduction from the list of CRA Payment Types with the desired CRA Program Account Number
Select the File / pay icon and fill in the information required. Follow the rest of the prompts on screen

If additional approvals are required, your payment needs to be reviewed and accepted by an approver before it is processed.

Pay Provincial Sales Tax (PST)

You pay Provincial Sales Tax (PST) like a regular bill payment. Set up a new bill payment vendor and search for “BC PROV SALES TAX”. Use your PST account number when registering the bill payment vendor.

Check out the Bill Payments topic for more information.

Pay Goods and Services Tax (GST)

Sign in to digital banking through a computer
From the menu, click Bill Payments, then Pay Business Taxes
To pay Goods and Services Tax (GST) scroll to either GST/HST 34 Filing and Remittance, GST/HST
Amount Owing Remittance (RC 159) or GST/HST Interim Payments Remittance (RC 160) depending on your tax payment requirement
Click Add Account, add the business number and select the membership(s) you would like to pay it from
Click back in to Pay Business Taxes, locate the Account you’d like to pay and click on the file icon
Fill in the information required, click Continue and follow the rest of the prompts on screen.

Pay Corporation Tax

Sign in to digital banking through a computer
From the menu, click Bill Payments, then Pay Business Taxes
To pay Corporation Tax scroll to Corporation Tax (RC 159/RC 160)
Click Add Account, add the business number and select the membership(s) you would like to add it to
Click back in to Pay Business Taxes, locate the Account you’d like to pay and click on the file icon
Fill in the information required and click Continue and follow the rest of the prompts on screen.

What kinds of taxes can I pay through digital banking?

You are able to pay Payroll and Source Deductions, Provincial Sales Tax (PST), Goods and Services Tax (GST) and Corporation Taxes. Check out the above tutorials for instructions on how to do it.

Can I have a delegate pay business taxes?

Yes, when setting up your delegate you are able to give them access to pay your business taxes.

When I pay taxes through digital banking, are they paid instantly?

While the funds will exist your account immediately, it can take up to 3 business days for the transactions to be processed and received.

Why am I being asked for a payment voucher type when paying my business taxes?

When making a payment for your business taxes, you will need to specify the payment type and it needs to match the type of remittance voucher that you were provided by CRA. They are as follows:

RC158 - Payment on filing (Use when sending a payment along with a return. Form RC158 will show the tax year-end)
RC519 - Amount owing (For the amount owing on an existing debt or to make an advance deposit for an anticipated reassessment)
RC160 - Interim Payments (For interim payments for a tax year-end that CRA has not yet processed a return)

Why is there an error message when entering the amount for Payroll Source Deductions?

Try rounding up to the nearest whole number. CRA does not accept decimal values.

How will I know if my taxes are paid correctly?

Make sure you read the instructions on screen carefully, Keep receipts and confirmation of payment, and remember that they can take up to three business days to be applied to your CRA account. You can view your CRA bill payment history by clicking on Pay Bills > Pay Business Taxes, then the clock icon next to the Account you wish to review.

How do I know which category to pay my taxes under?

Taxes are categorized under specific codes. The code will be listed on your tax payment stub. Use the list below to reference your code.

RC (at position 10)-Corporate Tax
RP (at position 10)-Payroll Source Deductions
NR (at position 1)-Non Resident Tax
RT (at position 10)-Rev Can GST/ HST
T (at position 1)-Trust Account Tax
HA (at position 1)-Rev Can T5 Late Penalty Tax
B (at position 1)-Rev Can Citizenship and Immigration
RZ -Information Returns, Amount Owing -Corporate Tax

Can I pay business taxes on the app?

As of right now the app does not support paying CRA business taxes. You can pay your CRA business taxes on a computer.

Add a recipient

There are two ways to add a recipient

Add a recipient via Manage Recipients:

Log in to digital banking
From the menu, select Interac e-Transfers® then Manage Recipients
Select the Add new recipient button
Enter the recipient’s name, preferred language, and how you'd like to send notifications by: email and/or mobile phone
Set a security question and answer that only you and the recipient know the answer to
Select Continue, review the recipient's details and select Confirm
Enter the security code and select Confirm

Add a recipient when sending an e-Transfer:

Log in to digital banking
From the menu, select Interac e-Transfers® then Send e-Transfer
Select the Add new button by the Transfer to field
Enter the recipient’s name, preferred language, how you'd like to send notifications by: email and/or mobile phone, and select either One-time recipient (will not be saved to your recipient list) or Saved recipient (recipient will be added to recipient list for future use)
Set a security question and answer that only you and the recipient know the answer to
Select Continue, and your recipient will populate in the Transfer to field

Send an e-Transfer

Log in to digital banking
From the menu, select Interac e-Transfers® then Send e-Transfer

The first time you access this, you will be prompted to create a profile registering your email or email and mobile phone number. This is how others will send you e-Transfers in the future.
Select the account you wish to transfer money from
Select an existing recipient or add a new recipient
Enter the amount for the e-Transfer
Select Continue, review the e-Transfer details and select Confirm

Things to know

The amount will be debited from your account immediately, plus a $1.50 service fee (depending on your account type).
If the recipient is not registered for Autodeposit, they will get a notification within about 30 minutes inviting them to accept the e-Transfer. They will need to answer the security question you set up for them.
If the recipient is registered for Autodeposit, the funds will be automatically deposited into their account.

Receive an e-Transfer

When someone sends you an e-Transfer, you will get a notification through email or text message.

Check the link provided in the email or text notification to ensure it is encrypted (look for "https:" instead of "http:" in the link URL)
Select the link to access a secure Interac website
Once Coast Capital is selected as the financial institution you'll be redirected to Coast Capital's digital banking login page or mobile app
Log in to digital banking
Select which account you wish to make your deposit and answer the security question
Select Continue, review e-Transfer details and select Confirm

Set up Autodeposit

For your security and convenience, we recommend setting up Autodeposit so your e-Transfers are automatically deposited into the account of your choice. You won’t have to enter a security answer each time you receive an e-Transfer, saving you time and leaving no opportunity for a fraudster to intercept the transaction.

Log in to digital banking
From the menu, select Interac e-Transfers® then Autodeposit
Select the Register Autodeposit button
Register with either your email address or mobile phone number, and specify the account the funds will be deposited to
Check the box to acknowledge the statements
Select Continue, review the Autodeposit details and select Confirm
You will receive a verification email from Interac with steps to complete your Autodeposit registration

Send an e-Transfer Money Request

Does a customer owe you for services rendered? Send them an e-Transfer Money Request to request payment.

Log in to digital banking
From the menu, select Interac e-Transfers® then Request e-Transfer
Fill in the e-Transfer request fields
Select Continue, review the request details and select Confirm

Things to know

Depending on the account type, there is a $1.50 service fee per request sent
The recipient of the request will receive a notification within 30 minutes of you sending the request
The request will expire in 30 days

Fulfill an e-Transfer Money Request

When someone sends you an e-Transfer Money Request, you will get a notification through email or text message.

Check the link provided in the email or text notification to ensure it is encrypted (look for "https:" instead of "http:" in the link URL)
Select the link to access a secure Interac website
Log in to digital banking
Select which account you wish to send money from
Check the box to acknowledge the statement
Select Continue, then review the request details and select Confirm

What is an Interac e-Transfer®?

An Interac e-Transfer® is a quick and secure way to transfer funds to and from your Coast Capital membership.
All you need is the recipient’s mobile phone number or email address.
There is no service fee to receive an e-Transfer. Depending on your account type, a service fee may apply to send e-Transfer, including sending an e-Transfer request.

How can I cancel an e-Transfer?

If a recipient has not yet accepted the e-Transfer, you can cancel it.

Log in to digital banking
From the menu, select Interac e-Transfers® then Pending e-Transfers
Select the trash icon beside the e-Transfer you wish to cancel
Confirm you want to cancel the e-Transfer

Is there a fee for sending an e-Transfer? What about receiving?

There is no fee to receive an e-Transfer. Depending on your account type, a service fee may apply to send an e-Transfer, including sending an e-Transfer request.

How long does it take for an e-Transfer to get to its destination?

It can take up to 30 minutes for the recipient to receive a notification.

The recipient of my e-Transfer didn’t receive a notification. What do I do?

You can resend the notification.

Log in to digital banking
From the menu, select Interac e-Transfers® then Pending e-Transfers
Select the rounded arrow icon beside the e-Transfer to re-notify the recipient

The contact information I sent an e-Transfer to is incorrect. What do I do?

Cancel the e-Transfer
Update the recipient’s details. Access this by selecting on Interac e-Transfers from the menu, then Manage Recipients.
Select the pencil icon and edit the recipient’s information
Select Continue, review the recipient's details and select Confirm
Enter the security code and select Confirm
Resend the e-Transfer

I’m trying to receive an e-Transfer but I don’t know the answer to the question. What do I do?

Contact the sender and ask them for the answer. If you answer the security question incorrectly more than three times, the transaction will automatically cancel.

Where do I find pending e-Transfers that need my approval?

Log in to digital banking
From the menu, select Business Services, then Review Pending Transactions
Select Other Transactions Pending Approval
Find the pending e-Transfer, review it and select Approve or Reject

How can I view my e-Transfer history?

You can view the last 24 months of your sent e-Transfer history in digital banking.

Log in to digital banking
From the menu, select e-Transfers then e-Transfer History
Select the Search filters button and select a date range and/or a status, then select Search
- You can search for up to 365 days per search
On the results page, you can select the details icon to view more information about the e-Transfer

Why do I see additional details on only some of my received e-Transfers?

Some received e-Transfers will have additional details if the sending financial institution supports this feature. These details could include additional payee/payor information, or additional invoice or document notes. At this time, it is not possible to include these details in e-Transfers sent from Coast Capital.

Can I receive an e-Transfer in real-time?

If the sending financial institution supports the sending of e-Transfers in real-time and you have the Autodeposit feature enabled, you will receive your deposit immediately. The Autodeposit feature allows you to receive e-Transfers without needing to provide a security answer.

If the sending financial institution supports account-to-account e-Transfers, the sender may also send a real-time e-Transfer using your account, institution, and transit number. Contact the person sending the e-Transfer to confirm if their institution supports this feature.

Can I send an e-Transfer in real-time using an account number?

At this time, it is not possible to send an e-Transfer from Coast Capital using an account number. However, we do support Autodeposit. If the recipient has Autodeposit enabled, they should receive your e-Transfer in close to real-time.

How do I delete an email address or mobile phone number used for Autodeposit?

Log in to digital banking
From the menu, select Interac e-Transfers then Autodeposit
Select the trash icon beside the email address or mobile phone number you wish to delete (on our app, the trash icon appears once you select the ellipsis “” beside the email address or mobile phone number)
Confirm you want to delete the email address or mobile phone number
Enter the security code and select Confirm

Please note, to fully unregister from Autodeposit, all registered email addresses and mobile phone numbers must be deleted.

Transfer between your accounts

To transfer money between accounts in your own membership:

Sign in to digital banking
From the menu, click Transfers then Transfer Funds
Select the account to make the transfer from and where it will transfer to
Specify the amount and click Continue

On this screen you also have the option to schedule a transfer in the future, or set a recurring transfer, which is a great way to build your savings account.

Send a transfer from an external account

Visit the External Accounts section of this page for more information about external account transfers.

Transfer to another Coast Capital member

It’s quick and easy to transfer funds to another Coast Capital member. All you need is their membership number.

Sign in to digital banking
From the menu, click Transfers then Transfer Funds
Select the account you wish to transfer funds from
Select Transfer to another member and enter their membership number
Specify the amount and click Continue

Automate your savings with a recurring transfer

Saving is easy when you “set it and forget it”. You can do that by setting a recurring transfer from one account to a savings account. This works great if your payroll is automatically deposited into your chequing account on a regular basis, and you set the transfer date based on when your payroll is deposited.

Sign in to digital banking
From the menu, click Transfers then Transfer Funds
Select the account to make the transfer from and where it will transfer to
Under Schedule transfer, change the selection to Recurring transfer
Specify the amount, start date, frequency and end date
Click Continue

Send an Interac e-Transfer

Interac e-Transfers are a safe and secure way to send funds outside of Coast Capital. Learn how.

Can I transfer funds in USD?

You can transfer to and from your own USD chequing accounts just like a CAD funds transfer. Unfortunately, you are unable to transfer USD outside of your membership at this time.

How do I cancel a transfer?

If you have a recurring or scheduled transfer you would like to cancel, follow these steps.

Sign in to digital banking
From the menu, click Transfers then View Upcoming Transfers
Click the trash icon next to the transfer you wish to cancel

What are the limits when sending transfers?

$25,000 per transaction

How do I transfer between consolidated accounts?

To transfer between your consolidated accounts you will need to make an inter-member transfer between your memberships. Follow the tutorial above named “Transfer to another Coast Capital Member” to learn how.

Can I do a wire transfer online?

Unfortunately, not at this time. We’d be happy to help you send a wire transfer at any of our branches.

Link an external account

Watch our video or read our step-by-step instructions.

From the menu, select External Accounts
Select Link external account
Search for external financial institution
After selecting the financial institution, enter the login information for the external account
If prompted, enter security code or follow security verification instructions (these instructions will vary by financial institution and are not controlled by Coast Capital)
Select which external account to connect
Once the account is connected, you’ll receive a message and be taken back to the External Accounts page, where you’ll now see the account connected. It may take up to five minutes for the account to fully be linked.

Transfer from an external account

Watch our video or read our step-by-step instructions.

From the menu, select Transfers, then External Account Transfer
Select the external account to transfer from
Select Coast Capital account to deposit into
Enter transfer amount
Specify the timing for the transfer
Select Continue, review the transfer details and select Confirm
Accept the Terms and Conditions

Is there a fee to send an External Account Transfer?

No, the service is free.

As a business member, can I link my personal account from another financial institution?

The name on the external account and your account at Coast Capital must match. If you’re a Sole Proprietor, your business name and personal account name would match. Otherwise, the linkage would not be successful.

Can I link my business account that has a foreign address?

No, the legal address of the business account you’re linking must be a Canadian address.

How do approvals work if I have a multi-signer account?

You can link external accounts without an additional approval signature. However, to initiate a transfer, approvals will be required per your current membership set up.

How long does it take to receive funds?

It depends on the timing selection you make.

Initiate now: The transfer is initiated immediately and should take 6 business days for funds to arrive in your Coast Capital account
Later: You’ll select the date you want the transfer to initiate on. The transfer should arrive 3 business days after the date you select
Recurring: You’ll select the date you want the transfer to initiate on. The transfer should arrive 3 business days after the date you select, and then on the regular interval you define (weekly, monthly, etc.)

Where can I see pre-authorized debits I already have set up?

Any pre-authorized debits you’ve set up in-branch or with our Advice Centre will not be visible in External Accounts. If you need help with a previously set up pre-authorized debit, please contact us.

Who is Flinks?

We’ve partnered with Flinks, a trusted financial services provider, to bridge the connection between Coast Capital and other financial institutions and verify members’ account information. Coast Capital does not store any external account banking credentials, and we ensure all information is deleted from Flinks’ systems after the account is linked.

Flinks has some of the leading financial institutions in Canada as their clients, and prides itself in providing seamless and secure data transfer.

It’s fast – Connections with accounts happen in seconds
It’s secure – Encryption helps protect personal financial information
It’s private – Banking credentials are never made accessible to Coast Capital

What if I need to cancel or change an external account transfer?

If you need to cancel or change a transfer, please call us at 1.888.517.7000, Monday-Saturday, 8am-8pm; Sunday 9am-5:30pm PT.

For “Initiate now” transfers, cancellation or change requests must be made same-day
For “Later” and “Recurring” transfers, cancellation or change requests must be made a minimum of 3 business days in advance of the initiation date

Deposit a cheque with Deposit On-the-go

Sign in to digital banking through our mobile app
From the menu, tap Deposit On-the-go
Specify which account you’d like to deposit your cheque in to and enter the amount of the cheque
Tap Take Photo and follow the instructions on the screen
Tap Confirm to deposit the cheque

Things you should know

Sign the back of your cheque before you photograph it Keep the cheque for 90 days, then destroy it within the next 30 days Holds may apply when you deposit cheques through Deposit On-the-go or an ATM. If you’re unsure what your hold policy is, contact us. You may be subject to mobile charges. Please consult your phone provider for more details.

What is Deposit On-the-go?

Deposit On-the-go is a quick, safe way to deposit cheques with your mobile phone through the Coast Capital Savings app.

What can I deposit through Deposit On-the-go?

You can deposit Canadian cheques, money orders, bank drafts, convenience cheques and certified cheques without having to visit a branch or ATM.

Is there a service fee?

No, there are no fees to use Deposit On-the-go. You may be subject to mobile phone charges. Please contact your phone provider for details.

How long does it take for the funds to show in my account?

Funds will show up right away. Holds may apply when you deposit cheques using Deposit On-the-go or an ATM. If you’re not sure what your hold policy is, contact us.

I’m having troubles depositing a cheque. What should I do?

Since Deposit On-the-go relies on photographs, make sure yours is in tip top shape. Take your photos under bright lighting with minimal shadows and make sure the entire cheque is visible in the frame. In most cases, this will resolve the issue.

If you’re still experiencing problems, try these troubleshooting steps:

Click Settings on your phone
Scroll down to the application manager or the app list
Click on the Coast Capital app and clear the cache
Once cleared, click on the Camera app in the application manager/app list
Click “Force Stop”
Open the Camera to test a picture
Open the Coast Capital app and try using Deposit On-the-go again

Opt into digital document delivery

Log in to digital banking
From the menu, select Settingsthen Document Delivery
Specify which memberships you would like to opt into digital delivery
Select whether or not you would like to receive email notification when your documents are ready
Select Continue, review your details and select Confirm

Things you should know

You’ll receive your first eStatement on the next statement cycle
If you’re eligible for a T5 slip (you earn interest totaling $50 or more on non-registered funds in a membership), you will receive it annually around the second week of February
Depending on when you opted in to digital delivery, you may receive one final paper statement for your statement and/or T5 slip
Your eStatements and T5 slips will be available in digital banking under Account Overview

What is the benefit to me?

Digital delivery is a free and environmentally friendly alternative to paper documents and statements.

Key features:

It's free. Coast Capital eStatements and digital T5 slips are free. (Please note, if you don’t switch to digital document delivery, you will be charged a $2 monthly fee per membership to cover the cost of production and postage for monthly paper statements)
It's convenient. Access your current and past documents anytime from your computer or laptop. We'll even send you an email to let you know when the document is ready for viewing in digital banking.
It's secure. Your documents are securely held in digital banking. Only you can log in to access your information.
It's space-saving. There's no need for you to file and store piles of paper any longer. Your documents are securely saved and accessible for seven years.

Will I still receive paper documents?

No, digital delivery will replace your paper monthly statements and T5 slips.

Is there a fee?

There’s no fee for digital delivery of your monthly statements and T5 slips.

How will I know when my statement is available?

When you sign up for digital delivery, you will have the option to receive an email notification letting you know your statement and/or T5 slip is ready to view.

Who receives a T5 slip?

Anyone who earns interest totaling $50 or more on non-registered funds per membership will receive a T5 slip.

Sign in to digital banking
From the menu, click Settings then Manage eStatements
Specify which memberships you would like to opt in to eStatements
Select whether or not you would like to receive email notification when your statement is ready
Click Continue, review your details and click Confirm

Things you should know

You’ll receive your first eStatement on the next statement cycle. Depending on when you opted in to eStatements, you may receive one final paper statement.
Your eStatements will be available in online banking under Account Overview

View and export historical eStatements

To view and export your historical eStatements follow these steps.

Sign in to digital baking through a computer or our mobile app
From the menu, tap Account Overview, then View eStatements
Click the eStatement you would like to download and it will open as a PDF
You can then download or print the PDF by tapping the desired button in the top right corner of the screen

Filter account activity

If you’re looking for a specific transaction or time period, you can filter your account activity. Here’s how to do it.

Sign in to digital banking through a computer or our mobile app
From the My Accounts screen, click on the account you wish to view transaction activity for
Click on the magnifying glass icon and specify the date range you wish to display. You can filter by date, month, or transaction type (ex. bill payments only)
Click Search
To save your results:
On your mobile phone, click the Export icon at the top right corner
On your computer, click the Export icon at the bottom of the page

Why should I switch to eStatements?

eStatements are a free and environmentally friendly alternative to paper statements.

Key features:

It's free. Coast Capital eStatements are absolutely free. (Please note, if you don’t switch to free eStatements you will be charged a $2 monthly fee per membership to cover the cost of production and postage for paper statements)
It's convenient. Access your current and past statements anytime from your computer or laptop. We'll even send you an email to let you know when the statement is ready for viewing in digital banking.
It's secure. Your eStatements are securely held in digital banking. Only you can sign in to access your statement information.
It's space-saving. There's no need for you to file and store piles of paper any longer. Your eStatements are securely saved and accessible for seven years.

If I switch to eStatements, will I still receive paper statements?

No, eStatements will replace your paper statements.

Is there a fee for eStatements?

No, it's free!

How will I know when my eStatement is available?

When you sign up for eStatements, you will have the option to receive an email notification letting you know your statement is ready to view.

Add a delegate

Sign in to digital banking through a computer
From the menu, tap Business Services, then Manage Delegates
To add a delegate click Add Delegate and fill in the required information on the page
Your delegate will receive a temporary password through the contact method you specified. After logging in for the first time with that password, they will be prompted to set a new password.

Remove a delegate

Sign in to digital banking through a computer
From the menu, tap Business Services, then Manage Delegates
Tap the Lock button next to their name. Their delegate profile remains on your account for record-keeping purposes.

What is a delegate?

A delegate is someone like an employee, accountant or lawyer who can perform business transactions through digital banking on your behalf. You can control what transactions your delegates can perform.

How many delegates can I have?

You can have unlimited delegates.

Can I manage delegates through the Coast Capital Savings app?

Not yet. Right now the feature is only available on desktop.

How does a delegate sign in to digital banking for the first time?

As part of adding a delegate, you or another business signer will create a username for the delegate. After this, a temporary password will be auto-generated and sent to them. When they sign in for the first time, they’ll be prompted to create their own password.

Can a delegate authorize transactions on a two to sign business membership?

No, delegates cannot authorize transactions on a two to sign business membership. They can initiate transactions, but not authorize or complete them.

What do I do if my delegates forget their password?

If a delegate forgets their password, you or another signer should sign into online banking and “Lock” the delegate and create a new delegate profile for them.

What can I limit and manage for my delegates?

You can manage the access level for your delegate by giving them either read-only or initiator access depending on your business needs.

What is the difference between read-only and initiator access?

Initiator access allows the delegate more access to create different types of transactions, while read-only access is more restrictive. Check out the details of the different access levels:

Task	Read-only Access	Initiator Access
View my Accounts	X	X
Send Transfers		X
View scheduled transfers	X	X
Pay Bills		X
Manage bill payees		X
View scheduled payments	X	X
Send e-Transfers		X
Request e-Transfers
Manage recipients
e-Transfer auto deposit
View e-Transfer history		X
View pending e-Transfers		X
View My e-Transfers profile		X
View rates	X	X
Stop cheques		X
Customize profile images	X	X
Change delegate's password	X	X

Can a delegate use Deposit On-the-go?

Yes, a delegate can deposit cheques using Deposit On-the-go.

I use online banking on behalf of my boss but I don’t have access anymore. Why?

The signer, or signers, on the business account, may not have completed the setup process for the new digital banking experience. Once they finish getting set up, they can add you back as a delegate.

View and approve pending transactions

If you have a two to sign business membership, when you or another signer initiates a transaction, it may require approval by the other signer. Here’s how to approve pending transactions.

Sign in to digital banking through a computer or our mobile app
From the menu, tap Business Services, then Review Pending Transactions
Select either e-Transfer and Business Tax Payments or Other Transactions depending on the transaction that needs approval
Find the pending transaction, review it and tap Approve or Reject

Why are transactions not going through on my account?

If you have a multi-signer business membership, your transaction may be initiated but not yet approved. If you initiated the transaction, ask another signer to approve it. If a different signer initiated it, it may need your approval. Check out our tutorial above titled “View and approve pending transactions” to learn how to view pending transactions.

Where can I view pending transactions that need my approval?

These are available under Business Services within digital banking. To view and manage pending transactions follow the tutorial above titled “View and approve pending transactions”.

Consolidate your memberships

Sign in to digital banking
From the menu, click Business Administration then Manage Consolidations
Click Add consolidation and follow the prompts on screen

Toggle between consolidated memberships

Sign in to digital banking
From the menu, click the Business icon at the top of the menu. This will open a drop down where you can select which profile you’d like to switch to.

What does consolidating my memberships do?

If you’re a business member and have multiple memberships (personal and business), you can consolidate them so you can access them with just one username and password. Once you consolidate them, you’re able to toggle back and forth between memberships without logging out and back in again.

How do I transfer between my consolidated memberships?

You perform a transfer the same way you would when transferring to another Coast Capital membership. Ensure you’re toggled in to the membership you wish to transfer from, then:

From the menu, click Transfers then Transfer Funds
Select the account you wish to transfer funds from
Select Transfer to another member and enter the membership number of the membership you wish to transfer in to
Specify the amount and click Continue

Download a digital void cheque

When setting up a pre-authorized debit (like a bill payment) or credit (like payroll), you may be asked to provide a void cheque. You can view and download a void cheque using Coast Capital’s digital banking.

Sign in to digital banking through a computer or our mobile app
From the menu, tap Account Overview, then Download Void Cheque
Select the account you want the Void Cheque for and confirm your address is correct
Click the Export button to download a PDF file containing your void cheque
You can save or print this PDF to provide a digital or physical copy

Just need to provide your account information? Here’s where you can find your transit, institution and account numbers on your void cheque:

Set up CRA direct deposit

CRA Direct Deposit is a secure and convenient way to receive your CRA benefits. You can set up CRA direct deposit right from within digital banking.

What is a direct deposit?

A direct deposit is a secure electronic transfer of funds deposited directly into your bank account. Direct deposit replaces the need to issue payments by paper cheque.

Some examples of what you can set up as a direct deposit:

Payroll (if direct deposit is supported by your employer)
Income tax refund
If eligible, government payments like the Canada Child Benefit (CCB), GST/HST credit, Canada Workers Benefit (CCB) and the Canada Emergency Response Benefit (CERB).

What is a pre-authorized payment?

Pre-authorized payments (also known as pre-authorized debits) are payments that are set up to debit an account and credit an external company.

Some examples of what you can set up as a pre-authorized payment:

Bills like cable and internet
Property taxes
Gym memberships

Where do I find my transit number, institution (bank) number and account number?

You can get this information from your personalized cheques or by using our digital void cheque feature. Check out the tutorial above for more information.

Replace your lost or damaged debit card

In the event your debit card is damaged or lost, you can order a replacement through digital banking.

Sign in to digital banking from a computer or our mobile app
From the menu, click Account Overview then Manage my debit cards
Find the card you wish to replace, and click on the Damaged or Lost icon
Confirm you wish to replace your card

Your old card will be cancelled immediately and your new card will be sent to the address we have on file within 5 to 7 business days.

Lock your debit card

If you misplace your debit card, you can lock it to prevent unauthorized use, and unlock it once you find it.

Sign in to digital banking from a computer or our mobile app
From the menu, click Account Overview then Manage my debit cards
Find the card you wish to lock, and click on the Lock icon
Confirm you wish to lock your card
Your card will remain locked until you unlock it. Your access to digital banking will not be affected.

Unlock your debit card

If you have already locked your debit card and have located it, you can unlock it to reinstate point-of-sale purchase and ATM access. You will need to be able to receive a security code to unlock your card.

Sign in to digital banking from a computer or our mobile
From the menu, click Account Overview then Manage my debit cards
Find the card you wish to unlock, and click on the unlock icon
Enter the security code we send to your mobile phone or email and click Confirm
Confirm you wish to unlock your card

Your card will remain in Action Required status until you use it at an ATM or to make a point-of-sale purchase.

Watch this video for a full run-down on how to lock and unlock your cards.

Will locking my debit card affect my access to digital banking?

No, locking your debit card will only block physical point-of-sale purchases and ATM access. Digital banking access is unaffected.

Will locking my debit card affect Apple Pay?

Yes, if you have your debit card linked up with Apple Pay and lock your debit card online you will not be able to use Apple Pay. Once you find and unlock your debit card, you need to perform a point-of-sale purchase using your chip (not tap) or ATM transaction to re-enable Apple Pay.

I have multiple debit cards. How do I tell which card is for which membership?

If you’re on a computer or mobile web, underneath the image of your card, click “Show accounts”. You will see what membership the card is for.

If you’re on the app, click on the debit card image to show which membership the card applies to.

I just unlocked my debit card. Why does it show as Action Required?

Your card will remain in Action Required status until you use it at an ATM or for a point-of-sale purchase.

Why do I need to provide a security code to unlock my card?

We use security codes to double check it’s really you making a change or transaction. This is a feature in place for your security.

Why does my card status show as Unavailable?

If your card status is Unavailable, please visit a branch or give us a call at 1.888.517.7000.

What is a business depository (BD) card?

A business depository, or BD, card is a debit card that allows employees to make deposits through an ATM or in branch. BD cards do not allow employees access to digital banking and they will not be able to view any account balances. BD cards are ordered and mailed to a signer on the account, the signer sets the PIN and can then give the card to a staff member so they are able to make deposits.

To help manage your account and keep track of your account activity, you can sign up for alerts and notifications.

Sign in to digital banking
From the menu, tap Settings, then Alerts & Notifications
Select which type of alert you’d like to receive (Transactional, Security or Bill Payee)
If applicable, select which account you would like to receive alerts for
Specify how you’d like to receive the alert (SMS, email or push notification) then tap Save

What kinds of things can I get alerts for?

You can set up helpful alerts to get notified of activity in your membership.

Bill Payee Alerts

This alert will notify you when a new bill payee is added to your membership.

Transactional Alert

These alerts keep you updated on your balance and transaction activity. They include:

Daily balance updates
Weekly balance updates
Monthly balance updates
Low balance updates
Deposits and withdrawals

These are customizable. For example, you can specify that you would like to be alerted whenever a withdrawal of over $500 is made.

Security Alerts

You can opt in and out of receiving alerts for when your membership is successfully logged in to.

For security purposes, all members are automatically opted in to receiving alerts for:

Password changes
User locked (if your membership is locked out)
New biometric access set
Password attempt lock (if your membership is locked out due to too many incorrect password attempts)

Business Alerts

These alerts help you manage your business transactions.

Business Alerts for e-Transfers and CRA

Transfer or CRA Transactions Created
Expiring e-Transfer or CRA Transactions

Business Alerts for all Other Transactions

Other Transactions Created
Expiring Other Transactions

What is a security code?

As part of our enhanced security measures, we’ll occasionally request a security code from you when you are completing certain transactions. A security code is a 7 or 8 digit security code that we’ll send you through a text message to your mobile phone or through email when you do the following:

Add a new bill vendor
Update contact information
Add an e-Transfer recipient
Change your password
Unlock your locked debit card

If our system detects unusual activity, like signing in from a new device or location, you might be asked to enter a security code when you sign in. From time-to-time, this might also happen while paying a bill or transferring funds.

What type of security does digital banking have?

Your digital security is our priority. Here's how our digital banking helps you keep your information secure.

Security Codes
We’ll send a security code via text message to your mobile phone or through an email when you complete specific tasks.

Security Alerts
We’ll send you a security alert via email and text message when rare or suspicious activity takes place.

Device Management
If you lose your phone or tablet, you can protect yourself and your information by disabling mobile access from a desktop computer.

Proactive Fraud Detection
We've enabled sophisticated fraud detection technology that assesses real-time risk using indicators related to your information and devices.

Set up Quickview

Quickview allows you to check your account balances through our app without having to sign in.

Sign in to digital banking through our mobile app
From the menu, tap Personalize my app, then Quick Access Shortcuts
Tap the button next to Account Quickview and tap Add Quickview Account
Select the options that suit your preferences, then click Add Quickview account
You can now view your account balances through the app without logging in by opening the app and swiping right.

Learn more about the different ways you can personalize your digital banking experience:

Set up Favourite Transactions

Save time by creating a list of your frequent transaction with Favourites. This feature is available for Transfers and e-Transfers.

Log in to digital banking
Complete the transaction that you would like to set as a favorite. Once the transaction is completed, select Add to Favorites
Create a name for the transaction and select Add to Favourites

Use Favourite Transactions

Once you’ve set a transaction as a favourite, you’ll see it saved on your My Accounts dashboard when you sign in. Select the Favourite transaction to initiate it. You can also find your Favourites by selecting “Personalize” from the menu, then “Favorite Transactions”.

Change your Profile Picture

Make digital banking your own by adding a profile picture to your account.

Sign in to digital banking
From the menu, tap Personalize, then tap Customize Profile Images
Set your profile photo:

On our app, you can tap Camera to take a new photo, Upload to use an image from your camera roll or Reset to change the profile picture back to the default image.

On a computer, tap the camera icon to upload an image from your computer

Learn more about the different ways you can personalize your digital banking experience:

Rename your accounts

If you would like to dedicate an account for a specific purpose like home payments, vacation savings and so on, you can give it a custom name.

Sign in to digital banking
From the menu, tap Personalize, then tap Customize Accounts
Click the pencil icon next to the account you want to rename
Enter a new name for the account and click the green check icon.

Learn more about the different ways you can personalize your digital banking experience:

Change your username

Sign in to digital banking
From the menu, tap Security then Change username
Follow the prompts on screen
When finished, you will be logged out of digital banking. To continue banking, just sign in again.

Please note, when you reset your username, your previous username will not be able to be used again.

Do I need to sign in every time I want to view my balances?

No, you can quickly view your account balances without signing in by setting up Quickview on our mobile app. Check out the tutorial above to learn how to do it.

Clear your cache and cookies

To help solve challenges you may experience with digital banking, we may ask you to clear your cache and cookies. Here’s how to do it on a few popular browsers: Chrome, Safari and Firefox. If you use a different browser, a quick Google search should help you.

Chrome (Windows and Mac)

Clearing cache and cookies

Open Chrome on your computer
If you’re using Windows, click the More button “” at the top right of the browser, then “More tools”
1. On a Mac, click “Chrome” from the menu bar at the top of your browser
Click “Clear Browsing Data”
Select “All time”
Check the boxes next to “Cookies and other site data” and “Cached images and files”
Click “Clear Data”

Safari (Mac)

Clearing cache

Open Safari on your computer
Use shortcut Command+Shift+E OR
Click “Safari” in the browser menu bar, then “Preferences”
Click “Advanced” and check the box next to “Show Develop menu in menu bar”
Click “Develop” from menu bar, then “Empty cache”

Clearing cookies

Click “Safari” in the browser menu bar
Click “Preferences” then “Privacy”
Click “Manage Website Data”
Click “Remove All”

Firefox

Clearing cache and cookies

Open Firefox on your computer
Click the Menu button “” on the right of your browser bar
Click “Preferences”
Click “Privacy and Security”
Click “Clear Data”
Check the boxes next to “Cookies and Site Data” and “Cached Web Content”
Click “Clear”

Use a private browser

To help solve challenges you may experience with digital banking, we may ask you to access digital banking using a private browser (also known as Incognito). Here’s how to do it on a few popular browsers: Chrome, Safari and Firefox. If you use a different browser, a quick Google search should help you.

Chrome (Windows and Mac)

Open Chrome on your computer
Click the More button “” at the top right of the browser (Windows) or “File” from the menu bar at the top of your browser (Mac)
Click “New Incognito Window”
A new window will open for you to use

Safari (Mac)

Open Safari on your computer
Click “File”
Click “New Private Window”
A new window will open for you to use

Firefox

Open Firefox on your computer
Click the Menu button “” on the right of your browser bar
Click “New Private Window”
A new window will open for you to use

What are the technical requirements for using Coast Capital’s digital banking?

Accessing Digital Banking on a computer

Supported Desktop Browsers

To provide you with a secure and protected online banking environment, we recommend using the supported browsers listed below. We do not support beta or test versions of browsers.

Apple Safari (latest version)
Google Chrome (latest version)
Mozilla Firefox (latest version)
Microsoft Edge (latest version)

Supported Mobile browsers

Apple Safari on iOS 13 or later
Google Chrome on Android 5 or later

To access online banking through your mobile browser, simple visit https://banking.coastcapitalsavings.com.

Transport Layer Security (TLS) Encryption

Cookies

JavaScript

Coast Capital Mobile App

To use our app efficiently, your phone needs to meet the following requirements depending on your device type:

iOS 13 or higher
Android 5.0 or higher

Downloading the App

From your device, open the App Store (Apple) or Google Play (Android) and search “Coast Capital”.

Apple - https://apps.apple.com/ca/app/coast-capital-savings/id1466597953
Android - https://play.google.com/store/apps/details?id=com.coastcapitalsavings.dcu

Foldable Phones

We currently support mobile app access through Foldable phones only in ‘Fold’ mode not in ‘Unfolded’ mode.

Why isn’t the app working on my tablet?

The Coast Capital Savings mobile app isn’t optimized for tablet use. If you enjoy doing your banking through your tablet, we recommend creating a link to banking.coastcapitalsavings.com on your tablet’s home screen for quick and easy access. Perform a search engine search for instructions on how to do it on your tablet.

Why am I not getting a security code?

A common reason a security code is not received is because the contact information we have on file is incorrect. Please verify your contact info by logging in to digital banking and clicking on Settings from the menu.

If you have signed up for security codes through email only, the security code may be caught in your junk mail folder. If this is the case, please set us to “not junk” for the future.

If you continue to have issues, please give us a call at 1.888.517.7000 or visit a branch.

How do I re-establish my connection to Quickbooks?

If you previously used our old digital banking platform, when you’re migrated to our new one you will need to re-establish your Quickbooks connection. Check out our guide to learn how to do it.

Download Guide

How do I download a QBO file from digital banking to upload to Quickbooks?

Check out our guide for downloading a Quickbooks (QBO) file from digital banking.

Download Guide

Display your Worldsource Financial Management balances

To display your Worldsource Financial Management investment balances, follow these steps:

Sign in to digital banking
From the menu, tap Partner Accounts, then Display Preferences
Under Worldsource, tap Display
Review the conditions and tap Display Worldsource accounts

Your Worldsource Financial Management balances will now be displayed on your My Accounts dashboard.

Hide your Worldsource Financial Management balances

To hide your displayed Worldsource Financial Management investment balances, follow these steps:

Sign in to digital banking
From the menu, tap Partner Accounts, then Display Preferences
Under Worldsource, tap Hide

Your Worldsource Financial Management balances will no longer be displayed on your My Accounts dashboard. You can change this back at any time.

Do I need to have online banking login credentials with Worldsource Financial Management (Worldsource View) to display my Worldsource accounts in Coast Capital’s digital banking?

No, you don’t. But keep in mind that if you want any additional information about your investments (like real-time balance or to make any changes), you may want to set up login credentials for Worldsource View.

Are my Worldsource Financial Management account balances shown in real-time?

The balances displayed on your My Accounts dashboard are up to date as of the previous business day close of business. For the most up to date balances, sign in to Worldsource View.

How can I make changes to my Worldsource Financial Management accounts?

Please sign in to Worldsource View or contact us.

What currency are my Worldsource Financial Management account balances displayed in?

All accounts are in CAD unless otherwise indicated.

How do I display my Worldsource Financial Management accounts in Money Manager?

To add your Worldsource Financial Management accounts to Money Manager, follow the steps for linking external accounts to Money Manager: