Frequently Asked Questions

Frequently Asked Questions

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WHAT ARE YOUR BANKING HOLIDAYS?

Coastal Community Bank will be closed on the following standard holidays observed by the Federal Reserve Bank:

  • New Year’s Day (January 1)
  • Martin Luther King’s Birthday (Third Monday in January)
  • Presidents Day (Third Monday in February)
  • Memorial Day (Last Monday in May)
  • Juneteenth (June 19)
  • Independence Day (July 4)
  • Labor Day (First Monday in September)
  • Columbus Day (Second Monday in October)
  • Veterans Day (November 11)
  • Thanksgiving Day (Fourth Thursday in November)
  • Christmas Day (December 25)

Coastal Community Bank will not accept files for processing on any holidays, as well as all Saturdays and Sundays. Likewise, entries should not be effective dated for these days. Note: If January 1, June 19, July 4, November 11, or December 25 fall on a Sunday, the next following Monday is a standard Federal Reserve Bank holiday.

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WHAT IS THE DAILY LIMIT ON MY DEBIT CARD?

You can withdraw up to $300 in cash daily from cash machines as long as the money is available in your account, and you may purchase up to $2500 every 24 hours and on weekends. Because some checks that you write may not clear right away, be sure that you have enough on deposit to avoid any NSF or Overdraft fees.

WHERE CAN I GET CASH WITH MY DEBIT/ATM CARD?

Your Coastal Debit Mastercard is accepted at millions of ATMs and merchants worldwide.  You can use any Coastal Community Bank ATM or MoneyPass® ATM without a fee. You will incur fees at non Coastal or MoneyPass ATMs. You may also save on cash withdrawal fees by asking for cash back when you use your Debit card. This varies by merchant.

CAN I USE MY DEBIT CARD OUTSIDE THE U.S.?

Yes, in many cases you can, but notify your local branch before you go so that your card will work, even in Canada. Some countries don’t have secure networks, and for security, you will need to give us some information about your travel plans before you use your card outside of the country. We always recommend that you have at least one credit card available to use for secure transactions during international travel.

I GOT CHARGED TWICE FOR ONE TRANSACTION ON MY DEBIT CARD, WHAT SHOULD I DO?

Notify your branch immediately, providing them with the transaction date, name of the merchant, the dollar amount, and a copy of your receipt.

WHAT HAPPENS IF MY CARD IS LOST OR STOLEN?

Notify your branch immediately, they will work with you to determine if you need to close your checking account. If your card is missing over the weekend or after bank hours call 1.800.500.1044 to report the card lost or stolen, then follow up with your branch on the next business day. Or, if you downloaded the SecurLOCK Equip mobile app and registered your debit card previously, you can use the app to turn your card off. You still need to contact your branch to receive a new card and verify recent transactions.

If your credit card is lost or stolen contact 1.800.883.0131 immediately.

CAN I CUSTOMIZE MY PIN NUMBER?

Yes, take your card into any branch and they can help you reset your PIN number.

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WHAT IS THE PHONE NUMBER?

In the Greater Everett area call 425.252.7822, outside the calling area, the number is 800.958.2382.

HOW DOES YOUR TELEPHONE BANKING WORK?

Our 24-Hour Customer Access allows you to get information about your accounts at any time. When you call, please have your account number and the Tax ID number of the primary account signer available.

HOW DO I RESET MY PASSWORD?

Your branch staff can reset your password for you.

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HOW DO I REORDER CHECKS?

You can order online or call or visit your local branch.

HOW LONG DOES IT TAKE A CHECK TO CLEAR?

That depends upon who you wrote it to, and when and where they deposit the check. Some checks can clear the same day you wrote them. As always, Coastal encourages you not to authorize any checks or payments against your account until you have the money available in the account.

HOW DO I PLACE A STOP PAYMENT ON A CHECK I HAVE WRITTEN?

If the check hasn’t cleared your account, you can request a stop payment through your online banking, by calling your branch or visiting the branch in person. Be aware that if you don’t visit an office in person, you will still need to sign the stop payment form within 14 days. We will send the completed form for you to sign and return.

WHAT IS COASTAL COMMUNITY BANK’S ROUTING AND TRANSIT NUMBER?

The routing number can be found at the bottom of your checks on the left-hand side, 125108405. You may be asked to provide this number to an employer for payroll direct deposits.

CAN I RECEIVE MY STATEMENTS ELECTRONICALLY?

Yes, contact your local branch to arrange for this convenient option.

WHAT IF THERE IS AN ERROR WHEN MY CHECK CLEARS MY ACCOUNT?

Always review your statement for accuracy. If you find an error, notify your branch immediately and we will research your account and resolve any errors promptly.

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HOW DO I SEND AN INTERNATIONAL WIRE?

You can visit any Coastal Community Bank branch and a customer service representative will assist you.

In addition, wires can be originated directly from your account with our Online Banking platform. Ask your banker for more details or contact us at 425.257.9000.

WHAT IF I NEED TO SEND AN INTERNATIONAL WIRE IN FOREIGN FUNDS?

No problem! We can do that. We have the ability to send wires in many foreign currencies. Just specify which currency when you visit the branch and how much you’d like to send.

WHAT IS NEEDED TO SEND AN INTERNATIONAL WIRE?

It’s best to have the beneficiary provide the full incoming wire instructions directly from their bank. That way, we can ensure that everything is captured correctly the first time. Some countries may have different requirements.

WHAT ARE THE CUTOFF TIMES TO SEND A WIRE INTERNATIONALLY?

12:00 pm PT is the cutoff time to send a wire internationally.

WHAT IS THE COST TO SEND AN INTERNATIONAL WIRE?

There is a $30 fee associated with all International Wires.

HOW LONG WILL IT TAKE FOR THE PAYMENT TO REACH THE BENEFICIARY?

In most cases, an international wire is received at the beneficiary bank the following business day, and sometimes the same day. However, a foreign beneficiary bank does have up to 30 days to credit the appropriate account. This isn’t typical, but we do want to make you aware.

WHY WAS THE FULL AMOUNT THAT I SENT, NOT RECEIVED BY THE BENEFICIARY?

To send wires internationally, a beneficiary bank must have a correspondent banking relationship. Other financial institutions involved in the wire transfer may also charge fees and/or foreign taxes and deduct those fees from the wire transfer amount. You may hear these referred to as “lift” fees.

  • Coastal Community Bank does not have any control over this charge as it’s not assessed by us.
  • We also do not have access to what other banks charge for lift fees; though these are common we are not privy to what other banks charge.
  • Coastal Community Bank assesses one fee on the outgoing wire.
  • Our correspondent Bank, Pacific Coast Banker’s bank does not assess any additional fees.
  • A beneficiary may have a preferred correspondent bank and their lift fees may be less.
    • It’s best to check with the beneficiary before sending the payment.

WHAT CAN I DO TO PREVENT WIRE FRAUD?

The best way to prevent wire fraud is to know the beneficiary. Know who you’re sending money to.

  • Never rely on an email communication for wire details.
  • Always call to verify any new or changed wire instructions not obtained in person. When calling, use a familiar phone number.
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HOW DO I CHANGE MY ADDRESS?

Request an address change form be mailed to you by calling 425.257.9000, mail us a signed notice of your new address, or visit any branch to update your address. For your security, we always require each person’s signature and identification to change addresses.

IS MY DEPOSIT AVAILABLE IMMEDIATELY?

Generally, your deposit is available on the same business day. Note: In some cases, it may be necessary to place a hold on your deposit. The first $200 is usually available the same or next business day, but the rest may not be available for several days. Contact your branch if you have questions about a deposit or hold.

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HOW MUCH DOES ONLINE BANKING AND BILL PAY COST?

Both services are provided at no cost to our customers. If you find you don’t use the service, please contact us and we will remove it. Otherwise, bill pay accounts will be charged $5.00 per month if inactive for 12 months.

HOW DO I ENROLL IN ONLINE BANKING?

Personal banking customers may sign up online. From our homepage, click on the Online Banking button at the top of the page. Click “New User” and complete the required fields.  Business banking customers must complete an enrollment form at one of our branches.

I CANNOT REMEMBER MY LOGIN INFORMATION. WHAT DO I DO?

If you know your login name, you may reset your password online by clicking on the “Reset Your Password” button.  To obtain your username, you must contact a Coastal Branch.

HOW MUCH TRANSACTION HISTORY CAN I VIEW ONLINE?

Generally, 365 days (or one rolling year) of history is available for you to view, along with 18 months of statements.

HOW CAN I RESET MY PASSWORD? HOW DO I CHANGE MY PASSWORD?

Click on the “Reset Your Password” button (after you enter your Username) and follow the instructions to receive a temporary password.

HOW DO I ENROLL IN TREASURY MANAGEMENT FEATURES?

Getting started with Online Treasury Management is easy, simply contact one of our branches to get started.

CAN I SET UP EMAIL ALERTS?

Yes, you can! From the Administration menu in online banking, select “Manage Alerts.”

WHAT TYPES OF ACCOUNTS CAN I USE TO MAKE PAYMENTS WITH BILL PAY?

There is no cost to use any of your Coastal Community Bank checking accounts to pay bills.

CAN I SET UP A PAYMENT TO GO OUT AT THE SAME TIME EVERY MONTH?

Yes, this is one of the many convenient tools in Bill Pay. Simply go to the “Manage My Bills” button, select the bill and add an automatic payment.

HOW DO I VIEW AN IMAGE OF A CHECK OR DEPOSIT ONLINE?

There will be a link for each item in your transaction history if an image is available. Clicking on this link will bring up an image of the front and the back of the item.

CAN I MAKE LOAN PAYMENTS ONLINE?

Payments can be made to many of your Coastal Community Bank loans through the online transfer feature. To add your Coastal Community Bank loan to online banking, contact your loan officer or a branch. To make payments on your loans at any other financial services provider, use our Bill Pay Service.

HOW DO I ADD OR REMOVE AN ACCOUNT TO MY ONLINE BANKING?

Contact any of our branches to update your accounts online.

HOW LONG DOES IT TAKE FOR MY PAYMENTS TO REACH THE RECIPIENT?

When you schedule a payment in Bill Pay it will show the scheduled payment date. Your payment is guaranteed to arrive on the scheduled date. Please note that checks issued on your behalf are mailed prior to the date you choose to allow time for mailing. As a result, these checks could be deposited by the payee earlier than expected, and in turn, could post to your account earlier than the date you intended.

HOW DO I ACCESS MY CREDIT CARD INFORMATION?

Credit card information is available at 800-854-7642 or www.24-7cardaccess.com.

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Zelle is our partner to send and receive money with people you trust. Zelle is a fast, safe, and easy way to send money to and receive money from friends, family, and other people you know and trust* typically within minutes** using their email or U.S. mobile phone number.

Visit the Zelle page to learn more.

 

*Must have a bank account in the U.S. to use Zelle.

**Transactions typically occur in minutes when the recipient’s email address or U.S. mobile number is already enrolled with Zelle.