Consumer Checking Accounts

We want to help you choose the checking account that’s right for you. Value, convenience, and flexibility are built into every one of our checking plans to help you make the most of your money every day.

Preferred Customer Relationship
Coastal Club Checking • Senior Advantage Checking • Freedom Checking • Personal Checking
Senior Checking • Interest Checking • Budget Checking • Student Checking

Preferred Customer Relationship

Maintain a minimum balance of greater than $10,000 with Coastal Commerce (including loans & deposits) and qualify for our Preferred Customer Relationship package. This package entitles you to:

• Free “Preferred Customer” checks

• No monthly service charge on a checking account and a savings account, or a money market account

• No monthly service charge on one minor’s checking or savings account

• ½% off consumer loans with an automatic debit

• Line of credit with no fee

• Debit card with no fee

• Free traveler’s & cashier’s checks

• Free money orders

• Free internet banking

• Monthly reimbursement of up to 5 foreign ATM transaction fees upon presentation of bank statement within 90 days

If your overall balance (total of loans & deposits) falls below $10,000, you will be charged $15 for that month.

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Coastal Club Checking

Our Coastal Club Checking is the ultimate checking account package.

Your benefits include:

• Competitive interest rate paid on $2,000 or greater daily collected balance

• $10,000 accidental death insurance

• Free “Coastal Club” checks

• Debit card at no cost

• Online banking at no cost

• Traveler’s checks at no cost

• Money orders & cashier’s checks at no cost

• Shoppers’ Advantage

• Autoadvantage

• Saversclub discounts

• Sojourns magazine

• Payment protection

Service charge: $10 per month

Minimum deposit to open account: $50

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Senior Advantage Checking

For our valued customers age 62 & better, the ultimate checking account package that is available at no cost with a $100 minimum balance.

Your benefits include:

• Competitive interest rate paid on $2,000 or greater daily collected balance

• $10,000 accidental death insurance

• Free “Coastal Club” checks

• Debit card at no cost

• Online banking at no cost

• Traveler’s checks at no cost

• Money orders & cashier’s checks at no cost

• Shoppers’ Advantage

• Autoadvantage

• Saversclub discounts

• Sojourns magazine

• Payment protection

Service charge: $10 per month only if minimum balance falls below $100

Age qualification: 62 or better

Minimum deposit to open account: $100

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Freedom Checking


Basic checking account features with no monthly service charge that allow unlimited transactions with no minimum balance requirement.

Your benefits include:

• No monthly service charge

• No minimum balance requirement

• Unlimited transactions with no charge

• 24-hour telephone banking and online banking

Click here to find out about the convenience of a Coastal Commerce debit card to enhance your Freedom Checking account package.

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Personal Checking

A checking account that allows you to control your service charge monthly.

Service charge schedule:

Minimum deposit to open account: $50

Click here to find out about the convenience of a Coastal Commerce debit card to enhance your personal checking account package.

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Senior Checking

Basic checking account features for our customers age 62 & better comes with a small service charge.

Your benefits include:

• Unlimited electronic transactions – ATM, ACH, debit card

• 24-hour telephone banking and online banking

• 10 free checks, then 25¢ per additional check

Service charge: $4 per month only if minimum balance falls below $1,000

Age qualification: 62 or better

Minimum deposit to open account: $50

Click here to find out about the convenience of a Coastal Commerce debit card to enhance your senior checking account package.

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Interest Checking

You can have the accessibility of a checking account that gives you the opportunity to earn interest at a competitive rate.
Your benefits include:

• Interest paid on daily collected balances of $2,000 or greater

Service charge: $10 per month only if minimum balance falls below $2,000

Minimum deposit to open account: $50

Click here to find out about the convenience of a Coastal Commerce debit card to enhance your interest checking account package.

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Budget Checking

Basic checking account features with a small service charge that allow unlimited electronic transactions.

Your benefits include:

• Unlimited electronic transactions – ATM, ACH, debit card

• 24-hour telephone banking and online banking

• 5 free checks, then 25¢ per additional check

Service charge: $4 per month

Minimum deposit to open account: $50

Click here to find out about the convenience of a Coastal Commerce debit card to enhance your budget checking account package.

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Student Checking

Our student checking account is available with no service charge for families with a Coastal Commerce Preferred Customer Relationship.

Your benefits include:

• Unlimited electronic transactions – ATM, ACH, debit card

• 24-hour telephone banking and online banking

• 5 free checks, then 25¢ per additional check

Service charge: $4 per month, only if no Preferred Customer Relationship
maintained

Minimum deposit to open account: $50

Click here to find out about the convenience of a Coastal Commerce debit card to enhance your student checking account package.

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