Coast Capital is a British Columbia based credit union with 600,000 members, making it one of the largest credit unions in Canada. Coast Capital offers four chequing accounts to suit a variety of day-to-day banking needs. Keep reading to compare these Coast Capital Chequing accounts and the fees and features they offer.

Compare Coast Capital chequing accounts

7.7 Great

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Coast Capital Free Chequing, Free Debit, and More Account

N/A
Bonus Offer

$0
Monthly Account Fee

unlimited
Free Transactions

• Info
• Pros + Cons
• More Details

Enjoy no monthly account fee and unlimited free transactions with the Coast Capital Free Chequing, Free Debit, and More Account. There are also no minimum balance requirements, making this a cheap and easy-to-use chequing account.

• Generous welcome offer
• $0 monthly account fee
• Unlimited day-to-day transactions
• No minimum balance requirement
• Overdraft protection on approved credit

• $1.50 e-transfer fee
• Out-of-network ATM fees
• You need to become a Coast Capital member to open an account
• Not available in Quebec

Min. Age	19
Account Fee	$0
Overdraft Fee	$5
ATM Out-of-Network Fee	$2.50
U.S. ATM Fee	$5
International ATM Fee	$5
Dormancy Fee	$1.50

7.8 Great

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Coast Capital Elevate Chequing Account

N/A
Bonus Offer

$16.95
Monthly Account Fee

unlimited
Free Transactions

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• Pros + Cons
• More Details

The Coast Capital Elevate Chequing Account supports unlimited day-to-day transactions, including e-Transfers and ATM withdrawals, and comes with a generous welcome bonus. Account holders can also take advantage of several other benefits, including a $50 credit card fee rebate and free access to the Coursera online learning platform.

• Welcome offer
• Unlimited day-to-day transactions
• Unlimited free Interac e-Transfers
• 2 free Interac ATM withdrawals per month and 3 free international ATM withdrawals per year
• Monthly fee discount available

• Monthly account fee of $16.95
• Not available in Quebec
• Out-of-network and international ATM fees

Min. Age	N/A
Account Fee	$16.95
Overdraft Fee	$5
International ATM Fee	$5

7.9 Great

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Coast Capital Unlimited Chequing Account

N/A
Bonus Offer

$8.50
Monthly Account Fee

unlimited
Free Transactions

• Info
• Pros + Cons
• More Details

Get unlimited transactions and e-Transfers with the Coast Capital Unlimited Chequing Account. You'll pay no monthly fee if you maintain a minimum balance of $4,000 at all times, or if you're either 25 or younger or 59 or older.

• Generous welcome offer
• Unlimited day-to-day transactions
• Free e-Transfers
• Monthly fee waiver or discount available

• Monthly account fee of $8.50
• Out-of-network and international ATM fees
• Not available in Quebec

Min. Age	N/A
Account Fee	$8.50
Overdraft Fee	$5
ATM Out-of-Network Fee	$2.50
International ATM Fee	$5

Coast Capital US Chequing Account

N/A
Bonus Offer

$0
Monthly Account Fee

Unlimited
Free Transactions

• Info
• Pros + Cons
• More Details

Pay no monthly account fee and write cheques in USD. Pay no transaction fees if you meet hold at least US$1,000 in your account.

• $0 monthly account fee
• Pay no fees for transactions if you hold at least US$1,000 in your account
• Write cheques in USD

• You'll pay for transactions if you don't meet the minimum requirements
• Only 1 free withdrawal per month

Min. Age	N/A
Account Fee	$0

Benefits of Coast Capital chequing account plans

You can expect the following perks when you open a Coast Capital chequing account:

• Free monthly eStatements. You can access free monthly eStatements on all Coast Capital chequing accounts. Free paper statements are also available with some accounts.
• Overdraft protection. Optional overdraft protection is available on approved credit to help you avoid NSF fees.
• Easy banking options. Coast Capital members can take advantage of free access to online banking, the Coast Mobile banking app and Coast-by-Phone telephone banking.
• Money Manager. Available through online and mobile banking, the Money Manager tool lets you manage your monthly spending, track spending trends, and put together payment plans to help you pay off debt faster.
• 4,000+ ATM network. You can make fee-free withdrawals at Coast Capital ATMs as well as ATMs in THE EXCHANGE Network.
• Mobile cheque deposits. You can deposit cheques using Coast Capital’s mobile banking app by uploading photos of the front and back of each cheque.

How to open a Coast Capital chequing account

If you’d like to open a chequing account with Coast Capital, first check to make sure you meet the eligibility requirements. To open an account online, you’ll need to be the age of majority in your province or territory. Anyone in Canada can apply to become a member of Coast Capital, except for residents of Quebec.

To apply you will need to:

1. Fill out an online application with your name, personal information and contact details.
2. Upload proof of ID.
3. Purchase $5 in Membership Equity Shares to become a member of Coast Capital.

Once your account has been opened, you can deposit funds and sign up for online banking. Your debit card will be mailed out within 10 to 14 business days.

Coast Capital fees

Here are some of the fees you should be aware of when you open a chequing account with Coast Capital:

• Sending an Interac e-Transfer: $1.50
• Non-EXCHANGE ATM transactions: $2.50 each (in Canada)
• International ATM transactions: $5 plus 2% administration fee
• Transferring balance of account: $25
• Canadian office cheques: $2.50 (free for juniors and seniors)
• US drafts: $0 (free for juniors and seniors)
• Dormant account fee: $50 per year (if no account activity within 24 months)
• Overdraft protection usage fee: $5 per month plus interest (21% per year)
• Overdrawing chequing account without overdraft protection: $5 per item plus interest (prime + 18% per year)

Compare other chequing accounts

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Product	Finder Score	Monthly Account Fee	Free Transactions	e-Transfer Fee	Bonus Offer	Rebate	Offer
Promoted Finder score 9.4 Excellent EQ Bank Personal Account	Finder score 9.4 Excellent	$0	Unlimited	$0	Earn 3.50%		Enjoy high interest with no fees on everyday banking, plus unlimited transactions and no minimum balances. Sign up online in minutes.	Go to siteMore info Compare product selection Compare	loading
Finder Rewards ExclusivePromoted Finder score 8.7 Great BMO Performance Chequing Account	Finder score 8.7 Great	$17.95 (can be waived)	Unlimited	$0	Earn $750	Finder Reward Get $150 from FinderOpen a BMO Performance Chequing Account online through Finder by 14 Aug 2025. T&Cs apply.	Get up to a $700 cash bonus plus a $50 Walmart Canada eGift Card. Valid until September 30, 2025. Plus, earn a 4.75% promo interest rate when you open a Performance Chequing and a Savings Amplifier Account.	Go to siteMore info Compare product selection Compare	loading
Promoted Finder score 8.6 Great Scotiabank Preferred Package	Finder score 8.6 Great	$16.95 (can be waived)	Unlimited	$0	Earn $700		Earn up to $700 with a Scotiabank Preferred package and a registered account. Valid until July 31, 2025. Plus, earn 4.95% interest for 3 months on your MomentumPLUS Savings Account.	Go to siteMore info Compare product selection Compare	loading
Finder score 7.7 Great Coast Capital Free Chequing, Free Debit, and More Account	Finder score 7.7 Great	$0	Unlimited	$1.50	N/A		Go to siteMore info Compare product selection Compare	loading
Finder score 8.5 Great Tangerine No-Fee Daily Chequing Account	Finder score 8.5 Great	$0	Unlimited	$0	Earn $500		Earn up to $500 when you open a No-Fee Daily Chequing Account. Valid until July 21, 2025	Go to siteMore info Compare product selection Compare	loading
Finder score 8 Great Neo Everyday Account	Finder score 8 Great	$0	Unlimited	$0	N/A		Earn instant cash back on any transactions at partners in Neo's rewards network. Enjoy no monthly fees and free everyday transactions.	Go to siteMore info Compare product selection Compare	loading
Finder score 7.8 Great Coast Capital Elevate Chequing Account	Finder score 7.8 Great	$16.95 (can be waived)	Unlimited	$0	N/A		Go to siteMore info Compare product selection Compare	loading
Finder score 8.7 Great BMO Premium Plan Chequing Account	Finder score 8.7 Great	$30.95 (can be waived)	Unlimited	$0	Earn $750		Get up to a $700 cash bonus plus a $50 Walmart Canada eGift Card. Valid until September 30, 2025. Plus, earn a 4.75% promo interest rate when you open a Performance Chequing and a Savings Amplifier Account.	Go to siteMore info Compare product selection Compare	loading
Finder score 8.4 Great Scotiabank Ultimate Package	Finder score 8.4 Great	$30.95 (can be waived)	Unlimited	$0	Earn up to $700		Earn up to $700 with a Scotiabank Ultimate package and registered account. Valid until July 31, 2025. Plus, earn 5.00% interest for 3 months on your MomentumPLUS Savings Account.	Go to siteMore info Compare product selection Compare	loading
Finder score 8.3 Great BMO Performance Student Chequing Account	Finder score 8.3 Great	$0 (can be waived)	Unlimited	$0	Earn $125 and six months of Domino’s Pizza		Earn a $125 cash bonus and up to 6 months of Domino’s Pizza (one pizza per month) when you open a new BMO Student Chequing Account. Valid until October 31, 2025.	Go to siteMore info Compare product selection Compare	loading
Finder score 7.9 Great Coast Capital Unlimited Chequing Account	Finder score 7.9 Great	$8.50 (can be waived)	Unlimited	$0	N/A		Go to siteMore info Compare product selection Compare	loading
Finder score 7.3 Great Innovation Federal Credit Union No-Fee Chequing Account	Finder score 7.3 Great	$0	Unlimited	$0	N/A		Go to siteMore info Compare product selection Compare	loading

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Finder Score for chequing accounts

To make comparing even easier we came up with the Finder Score. Welcome offers, account fees and features across 60+ chequing accounts and 25+ lenders are all weighted and scaled to produce a score out of 10. The higher the score the better the account - simple.

Read the full methodology

If the key feature you’re looking for in a chequing account is no monthly fees, you might want to check out the Simplii No Fee Chequing Account or the Tangerine No Fee Daily Chequing Account.

But if you’re searching for an account that offers unlimited transactions as well as a range of other perks, the Scotiabank Ultimate Package or the BMO Premium Plan Chequing Account may be a better choice.

Coast Capital chequing account FAQs

• Do Coast Capital chequing accounts have a minimum balance requirement?

  No, you don't need to maintain a minimum balance to keep a Coast Capital chequing account open. However, you may need to keep your balance above a specified level if you want to access monthly fee discounts.

• Does Coast Capital offer a chequing account with no monthly fees?

  Yes. The Coast Capital Free Chequing, Free Debit, and More Account supports unlimited day-to-day transactions and doesn't charge a monthly fee. The Coast Capital US Chequing Account also has no monthly fee, while waived fees can also be accessed on other accounts if you're a senior or meet minimum balance requirements.

• How much does it cost to become a member of Coast Capital?

  You'll need to pay $5 to buy Membership Equity Shares to become a member of Coast Capital. This amount is deducted from your first purchase with your Coast Capital chequing account.

• Do e-Transfers cost anything with Coast Capital?

  Yes. It'll cost you $1.50 to send an Interac e-Transfer from your Coast Capital chequing account. However, there are no fees for receiving e-Transfers.

• How can I find my nearest Coast Capital branch or ATM?

  You can use the Branch Locator tool on the Coast Capital website to find a branch or ATM near you.

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Tim Falk

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Tim Falk is a freelance writer for Finder. Over the course of his 15-year writing career, he has reported on a wide range of personal finance topics. Whether you're investing in stocks and ETFs, comparing savings accounts or choosing a credit card, Tim wants to make it easier for you to understand. When he’s not staring at his computer, you can usually find him exploring the great outdoors. See full bio

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