Checking Accounts

YES! You can have Really FREE Checking with no strings attached.1

24/7 Lost or Stolen Cards & Fraud: 1-800-696-8830

Activation & PIN Selection: 1-833-998-4639

PIN Change: 1-877-267-6941

Sometimes extra verification is required to add a card to your Mobile Wallet. If prompted, please call 1-833-964-1215

To learn more about fraud and how to protect yourself visit here.


  • No monthly maintenance fees.
  • No minimum balance required.
  • Thousands of fee-free ATMs nationwide.
  • Free debit card with $100 opening balance.
  • Online & Mobile Banking with Mobile Deposit, Bill Pay, eStatements, & eAlerts, and much more!

1No monthly maintenance fees for Free Checking accounts. No minimum balance required. Inactivity and overdraft fees may apply. Federally insured by NCUA.

Interest Bearing Checking

  • Earn dividends on your balance
  • $5 monthly fee, waived with $1,000 daily balance
  • Debit Card with a $100 opening balance
  • Thousands of fee-free ATMs nationwide
  • Online & Mobile Banking with Mobile Deposit, Bill Pay, eStatements, eAlerts, and more.

Money Market Checking

Earn dividends on your account.

  • Minimum balance to earn dividends is $2,500
  • Online and Mobile Banking
  • Mobile Check Deposits
  • Bill Pay
  • eStatements & eAlerts


Available on your FREE Checking or Interest Bearing Checking Account.

  • Earn 1.90% APY2 on the first $1,000 in your account
  • Save $15 on each Courtesy Pay overdraft
  • No Annual Fee on BIG Rewards Credit Card
  • No Annual Fee on IRA Accounts
  • No Annual Fee on Lines of Credit

To Qualify for Smart Benefits:

  • Use eStatements
  • One or more Direct Deposits each month
  • Use North Coast Credit/Debit card at least once a month

Benefits adjust automatically to the appropriate level.

2APY = Annual Percentage Yield

1000s of Fee Free ATMs

  • ATMs at North Coast branches take deposits
  • ATMS at North Coast branches offer $1, $5, $10 and $20 bills
  • Find a Fee Free ATM anywhere in the country

Find ATM


Courtesy Pay is an overdraft service.  Learn more on our Courtesy Pay Page.

Choose Your Debit Card Design

Open your North Coast Checking Account with your Social Security or ITIN number