Don't miss out on this new member offer.

Open your account in as little as 5 minutes online.

Open account
Here's a bit more about us and the difference a real financial partner makes.

As a financial cooperative, all Coast Capital members are owners. So the success of our members really is our top priority and we actually care how things turn out.


We’re for real.™
Real Partnership

Creating a better life for yourself shouldn’t be a dream. It’s why for over 80 years we’ve taken the time to truly know our members. The more we understand you personally, the better we can help you plan for the real life you want today.

We’re for real.™
Real Advice

Our members are our shareholders, so your success is our success. Our focus is to educate and guide you to the right financial solutions for your goals, with clear, simple and personalized advice that you can feel confident in.


We’re for real.™
Real Impact

As a Certified B Corp we want a more inclusive and sustainable world for all. Your membership helps us reinvest 10% of our budgeted bottomline every year to unlocking financial opportunities for our members, employees and communities.


How to earn 20% cashback1 on your bills.

With everything in life getting more expensive, we want to help you keep more of your cash for the things you need. 
Become a member and follow the steps below to earn cashback on your household bills.

Step 1: Become a member in as little as 5 minutes online.

By opening a Free Chequing, Free Debit, and More Account® with no monthly balance required.

  • No monthly fee
  • Unlimited day-to-day transactions3
  • Save an annual average of up to $200 compared to other financial institutions.4
  • Click here for service fees on services that are not included with this account.
Open account

Or book an appointment.

Step 2: Start earning 20% cashback1 on your household bills, up to a maximum cashback bonus of $450.

Within the first 60 days after account opening:

  • Make eligible1 bill payments or set-up pre-authorized debits See FAQs section for links on how to make and set up bill payments and pre-authorized debits. that recur for 3 consecutive months or more. 20% cashback will be received after the payment has successfully cleared your chequing account for at least 3 consecutive months, to the same bill provider Each payment must be at least $25.

Earn cashback on payments like utilities, cell phone, cable, mortgage, property tax, insurance, strata, gym memberships, car payments and more.

Credit card payments are not eligible for this offer. See full list of exclusions in FAQ section below.

As a member, you’re helping to build better futures for all Canadians.

Member-owned for over 80 years, we believe our financial cooperative is an engine for good. It’s why for every new member, we’ll donate $150 to the Youth Futures Education Fund2, to help former youth in care with their living expenses as they pursue their post-secondary dreams.

Open Account

Or book an appointment.

One-stop shop with Coast Capital Small Business Suites
 
We've answered your most popular FAQs.

This offer is only available to new, personal members who are residents of British Columbia. See terms and conditions.

Open account
Within the first 60 days following account opening, set up and maintain the following;
  • Make one or more eligible bill payments and/or set-up one or more eligible pre-authorized debits, for a minimum period of 3 consecutive months. Each bill payment or pre-authorized debit payment must be at least $25.
  • 20% cashback will be received after the payment has successfully cleared your chequing account monthly for at least 3 consecutive months, to the same bill or pre-authorized debit payee.
  • To get the full maximum cashback bonus of $450, the new member will have needed to make $2,250 in eligible payments. The longer the recurring payment is in the account, the more cashback the member can earn, up to $450.
Open account

Eligible household bill and pre-authorized debit payment categories include utilities, phone provider, cable provider, child care, gym memberships, strata payments, property tax, mortgage, insurance, car payments, tuition, etc.

Only the following bill payment and pre-authorized debit categories are excluded: Any and all payments made to a Credit Card, PayPal, International Money Transfer Services (e.g., Wise or Western Union), short term/pay-day loans (e.g., National Money Mart, Cash Money Cheque, or Money Tree Canada), or any and all payments made via Interac® e-Transfer.

Pre-authorized payments to savings or wealth accounts are also excluded.

Open account
New members that join during the campaign period (August 15 – November 30, 2023) have until April 15, 2024 to earn 20% cashback on their bills, up to a maximum cashback bonus of $450.
 
The first cashback payout will typically be deposited to the new member’s chequing account via electronic funds transfer within the month of December 2023. The December payout will be the sum of all eligible payments up to and including November 30, 2023 x 0.20.
 
The second cashback payout will be deposited to eligible members’ Coast Capital chequing accounts via electronic funds transfer within the month of April 2024. The April payout will be the sum of all eligible payments from December 1, 2023 - April 15, 2024 x 0.20.
 
If you do not qualify for the $450 maximum cashback bonus in time for the December 2023 payout, you can still qualify for the April 2024 payout.
 
Open account
 
For instructions on how to make or set-up bill payments, learn more here.
 
For instructions on how to set-up pre-authorized debits, learn more here.
 
How is the 20% cashback bonus payout calculated?
The cashback payout will be calculated on the total amount of eligible bill payments and pre-authorized debit payments that have successfully debited the new chequing account for 3 consecutive months to the same bill or pre-authorized debit payee, from the date of the first bill payment or pre-authorized debit payment until April 15, 2024.

How much do I have to spend in order to get the full $450 cashback bonus?
To get the full maximum cashback bonus of $450, the new member will need to make $2,250 in bill payments or pre-authorized debits. To make this achievable: The member can add more than one eligible bill payment or pre-authorized debit payment per month (and have it recur for 3 months or more) and has up until April 15, 2024 to achieve the full cash back amount of $450. The longer the recurring payment is in the account, the more cashback the member can earn.
Can I open my account in branch or online?
To receive this offer, you can open your account online or in person at one of our branches. Open account online or book appointment.
 
I am a Coast Capital small business member; do I qualify if I open a personal account?
Yes, as long as you are a new personal banking member and haven't had a personal account within the last 5 years. To open a personal membership follow the steps to open an account online or in branch.
Can I earn 20% cashback on multiple accounts?
No. You are only eligible for the cashback bonus on one new personal chequing account.
Do I get the cashback bonus if I open a joint account?
Depends. If you are opening the joint account as a new personal member to Coast Capital, then you are eligible for the cashback if you meet the offer criteria. If you are opening a joint account as an existing personal member with Coast Capital, you are not personally eligible for the cashback but the other member you're adding to the account could be if they're joining as a new member.
I’m an existing member at Coast Capital, if I open a joint account with another person, do they get the cashback bonus?
Yes. If you add a new member to a joint account, only the new member will be eligible for the cashback bonus. Joint Accounts and Joint Memberships are only eligible for the cashback bonus on the new account.
I’m an existing member at Coast Capital, can I open a new one to get the cashback bonus?
No. Current and past personal members (within the last 5 years) do not qualify for this offer.
I used to have an account with Coast Capital, am I eligible?
Depends. If you haven't had a personal membership with Coast Capital in the last 5 years, you may be eligible for the offer if you meet the other eligibility requirements.
Why was my application denied?
There are a number of reasons a membership application may be declined. If your online membership application was declined please contact us.
Take advantage of this limited-time offer.

Open your account in as little as 5 minutes.


OPEN ACCOUNT
BOOK APPOINTMENT
  1. Up to a maximum cashback bonus of $450. Read full New Member Cashback Offer terms and conditions here. The following bill payment and pre-authorized debit payment categories are ineligible and excluded from the offer: Any and all payments made to a Credit Card, PayPal, International Money Transfer Services (e.g., Wise or Western Union), short term/pay-day loans (e.g., National Money Mart, Cash Money Cheque, or Money Tree Canada), or any and all payments made via Interac® e-Transfer.
  2. Up to a maximum donation of $150,000 from August 15 – November 30, 2023.
  3. 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.
  4. Fee savings based on comparisons to average fees on chequing products charged by other Canadian financial institutions.