Day to Day Banking

Managing Your Budget

Members get help managing their budget.

The best way to set and manage a realistic budget is to figure out where you're spending your money. You can also benefit by reviewing your banking fees to make sure you're not spending money unnecessarily. Free or low-fee day to day accounts are one way to be cost-efficient. You'll also want to make sure you're paying the lowest interest possible on any debt you owe on things like credit cards.

We've put together some basic products and tools you'll want to consider. Give us a shout and we'll help you assess your money situation and come up with a budget plan that works for you.

You should focus on managing your money if:

  • You aren't sure where your money is going
  • You spend more than you make and rely on credit to fill the gaps
  • You carry a balance on your credit card
  • You would be in trouble if you missed one pay cheque

Free Chequing, Free Debit, and More Account®

Nobody really likes fees. This account is free with no minimum balance required.

  • No monthly fee
  • Unlimited day-to-day transactions1
  • Free withdrawals and deposits at 4000+ ding free® ATMs across Canada
  • Free in-branch, online or phone bill payments
  • Free online cheque images
  • Overdraft Protection available2
  • Free eStatements
Apply online Read the not-so-fine print

Terms & Conditions

  1. Rates are subject to change.

    Transactions include cheques, Coast Capital Savings® and EXCHANGE Network ATM withdrawals, Interac® Direct Payment, preauthorized payments, Coast-by-Phone® bill payments, Coast Online® Banking bill payments and in-branch withdrawals, transfers and bill payments. Deposits and self-serve (Coast Capital Savings® ATM, Coast-by-Phone® and Coast Online® Banking) transfers are free.

    Additional network ATM transactions are subject to the fees listed. Surcharges from other financial institution ATMs are excluded.

  2. Overdraft limits are subject to qualification. Monthly fee applies where overdraft is used.

For more information, see our full list of service fees.


Low-rate Modulo®

Take advantage of one of the lowest interest rates in Canada while earning sweet rewards.

Low-rate Modulo® GOLD Card 10.9 %1 Annual interest rate
  • 1% of your purchases back in BONUSDOLLARS
  • Low $50 annual fee
  • 3-day complimentary travel insurance
Apply online Read the not-so-fine print

Terms & Conditions

  1. Other fees and costs may be applicable that would increase the total Cost of Credit and Annual Percentage Rate. Please contact us for full details.


Personal Line of Credit

A helpful alternative to cash advances or large credit card purchases. Get access to extra funds and only pay interest when it's used.

  • Pay down the balance at any time
  • Re-advance your loan as many times as you need
  • Interest1 charged only on what you use
  • Access money through your chequing account, debit card, cheques or in a branch
  • Creditor insurance available
Apply online Read the not-so-fine print

Terms & Conditions

  1. Rate and approval based on risk profile.


Need help finding the right account?

Let's have a quick Where You're At Money Chat® to help you solve your money matters.
Schedule a Money Chat

Services available with your chequing account.

Coast Mobile® Banking App

Do most of your banking with your smartphone and tablet on our Apple or Android App.

Get our App

Deposit On-the-go

Use your Coast Mobile® App to make deposits by simply snapping a photo of a cheque.
Get our App

Overdraft Protection

When you need to protect your account in between deposits, you only get charged interest and a small monthly fee if you use it.

Talk to us

INTERAC® e-Transfer

Send or receive money to and from other financial institutions within Canada. All you need to send money is the recipient's mobile phone number or email address. Learn more

Access to thousands of surcharge-free ATMs

In addition to Coast Capital ATMs, members get ding-free use at any ATM on The EXCHANGE® Network in Canada.

Automatic Deposits and Payments

Make deposits into your chequing or savings account at a regular frequency. You can also set up automatic bill payments.

Learn more

Questions? Give us a shout.

Call us at 1.888.517.7000 Mon-Sat, 8am-8pm; Sun, 9am-5:30pm.

Email us Find a branch