Checking Accounts

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

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


  • 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!

*No 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
  • Waive monthly fee with $1,000 daily balance
  • Qualify for Smart Benefits
  • Debit Card with a $100 opening balance
  • Fee Free ATMs
  • Online and Mobile Banking
  • Mobile Deposits
  • Bill Pay
  • eStatements & eAlerts


Available on your FREE Checking or Interest Bearing Checking Account.

  • Earn 1.90% APY^ 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.

^APY = Annual Percentage Yield

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

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


MobiMoney is a FREE App for North Coast Members. 

  • Turn your cards on and off
  • Set spending limits
  • Set limits on where the card can be used
  • Sends Transaction Alerts in real time
  •  Find MobiMoney in your App store


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