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Coast Capital chequing accounts

Whether you have basic everyday banking needs or you want unlimited transactions, there's a Coast Capital chequing account to suit you.

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

Coast Capital Free Chequing, Free Debit, and More Account

Earn $350
Bonus Offer
$0
Monthly Account Fee
unlimited
Free Transactions
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 $10
U.S. ATM Fee $2.50
International ATM Fee $5
Dormancy Fee $1.50

Coast Capital Elevate Chequing Account

Earn $600
Bonus Offer
$16.95
Monthly Account Fee
unlimited
Free Transactions
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
International ATM Fee $5

Coast Capital Unlimited Chequing Account

Earn $450
Bonus Offer
$8.50
Monthly Account Fee
unlimited
Free Transactions
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
ATM Out-of-Network Fee $2.50
International ATM Fee $5
Coast Capital US Chequing Account

Coast Capital US Chequing Account

N/A
Bonus Offer
$0
Monthly Account Fee
Unlimited
Free Transactions
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: $10 (free for juniors and seniors)
  • US drafts: $7.50 (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

Name Product Monthly Account Fee Free Transactions e-Transfer Fee Bonus Offer Offer
BMO Performance Chequing Account
BMO Performance Chequing Account
$17.95 (can be waived)
unlimited
$0
Earn $600
Get up to a $600 cash bonus. Valid until July 2, 2024. Plus, earn a 5.50% promo interest rate when you open a Performance Chequing and a Savings Amplifier Account.
Simplii No Fee Chequing Account
Simplii No Fee Chequing Account
$0
unlimited
$0
Earn $400
Earn $400 when you become a new client and set up a direct deposit of at least $100 for 3 months. Offer ends October 31, 2024.
Coast Capital Free Chequing, Free Debit, and More Account
Coast Capital Free Chequing, Free Debit, and More Account
$0
unlimited
$1.50
Earn $350
Earn up to $350 when you become a member and open a Free Chequing account plus other products until June 30, 2024. Conditions apply.
Scotiabank Preferred Package
Scotiabank Preferred Package
$16.95 (can be waived)
unlimited
$0
Earn $400
Earn a welcome bonus of up to $400. Valid until July 31, 2024. Plus, earn up to 6.05% interest for 3 months on your MomentumPLUS Savings Account.
EQ Bank Personal Account
EQ Bank Personal Account
$0
unlimited
$0
Earn 4.00% interest
Enjoy high interest with no fees on everyday banking, plus unlimited transactions and no minimum balances. Sign up online in minutes.
Coast Capital Elevate Chequing Account
Coast Capital Elevate Chequing Account
$16.95 (can be waived)
unlimited
$0
Earn $600
Earn up to $600 when you become a member and open an Elevate Chequing Account plus other products until June 30, 2024. Conditions apply.
Scotiabank Ultimate Package
Scotiabank Ultimate Package
$30.95 (can be waived)
unlimited
$0
Earn $400
Earn a welcome bonus of up to $400. Valid until July 31, 2024. Plus, earn up to 6.05% interest for 3 months on your MomentumPLUS Savings Account.
Coast Capital Unlimited Chequing Account
Coast Capital Unlimited Chequing Account
$8.50 (can be waived)
unlimited
$0
Earn $450
Earn up to $450 when you become a member and open an Unlimited Chequing Account plus other products until June 30, 2024. Conditions apply.
RBC Signature No Limit Banking Account
RBC Signature No Limit Banking Account
$16.95 (can be waived)
unlimited
$0
Get Apple Watch Series 9
Get the new Apple Watch Series 9 when you switch to RBC & open an RBC Signature No Limit Banking Account. Valid until June 3, 2024.
BMO Premium Plan Chequing Account
BMO Premium Plan Chequing Account
$30.95 (can be waived)
unlimited
$0
Earn $600
Get up to a $600 cash bonus. Valid until July 2, 2024. Plus, earn a 5.50% bonus interest rate when you add a Savings Amplifier Account.
RBC VIP Banking Account
RBC VIP Banking Account
$30 (can be waived)
unlimited
$0
Get Apple Watch Series 9
Get the new Apple Watch Series 9 when you switch to RBC & open an RBC VIP Banking Account. Valid until June 3, 2024.
Innovation Federal Credit Union No-Fee Chequing Account
Innovation Federal Credit Union No-Fee Chequing Account
$0
unlimited
$0
Win a spring getaway
Open an account and you could win a $2,500 spring getaway. Valid until June 30, 2024.
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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

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