Business Savings

For those of us who would rather not write checks in check-out lines, our Visa® Check Card represents a welcome alternative indeed.

It works just like cash (as long as your current account balance covers your purchase, you’re approved.)

All Coastal1 debit/ATM cards now have an imbedded microchip which adds an extra layer of security when used at chip reading terminals.

For more information, please read the following EMV Debit/ATM Card FAQs.

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EMV Debit / ATM Card FAQs

What is EMV?

EMV is short for European Mastercard / Visa. It indicates that the debit / ATM card has a microchip embedded in it to make your transactions more secure when used at a merchant with chip reader terminals.

How do I use it?

If the merchant has chip reader terminals, you insert your card with the chip facing up, leave the card in the terminal and follow the screen prompts to complete your purchase. If a signature is required, simply sign. Remember to remove your card once the receipt has been printed. If the merchant does not have chip reader terminals, you swipe your card the same way you always have.

Will my new EMV card still work at ATMs?

Yes, your new card will work exactly the same way as your current / old one and will have the same PIN number.

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Verified by Visa

Take the Coastal1 Credit Union Visa® Check Card you already use, add a password to confirm online purchases, and you’ve got Verified by Visa®, the service that helps to ensure that only you can use your card online. Visa® always protects you against unauthorized purchases. But with Verified by Visa®, you can help prevent unauthorized purchases before they even happen.

For more information click on the Verified by Visa® logo. Even better, this blazing speed comes with all the accountability you’re looking for. All Visa® Check Card purchases are listed on your monthly checking account statement. And, since Visa® is welcomed practically everywhere, you are too – at more than twelve million locations at last count.

Your Visa® Check Card is also an ATM card, pulling double duty all over the world. In fact, it’s good for cash anytime you see SUM, Cirrus Plus, NYCE or Visa on a nearby ATM, enabling you to withdraw up to $500, balance permitting, within any 24-hour period.

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TO REPORT A LOST OR STOLEN VISA® CHECK CARD PLEASE CALL: 833-809-9971

Your Coastal 1 Debit Card Now Supports Contactless Transactions

Faster Transactions

• Your new card includes the latest chip technology including support for contactless transactions.
• Contactless means you don’t have to insert your card into the point-of-sale terminal and wait…
• Save time every time you tap.

Secure Transactions

• Every chip transaction and every contactless transaction includes a unique code, helping to protect against fraud and keep your information safe.
• The information on your card is protected by unique keys.
• Contactless transactions only work within 1-2 inches from the point-of-sale terminal.

 

Convenient ATM Access At All Branch Locations

Surcharge-free withdrawals at all participating locations in the RI Credit Union Connection network.

 

No foreign transaction fees from Coastal1 Credit Union. ATM owners may impose a fee.

Overdraft protection helps prevent your checks from being returned or your debit card from being declined in the event you don’t have sufficient funds in your account to cover your purchase. It also provides additional ATM funds and helps you avoid merchants’ bounced check fees.

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Overdraft Privilege

• $600 of available coverage
• Account qualified based on transaction history
• No monthly or annual fees
• Per item fee only if you overdraw your account
• Fees vary based on the type and amount of overdraft

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Overdraft Line of Credit

• Apply as you would for a loan
• Low annual fee + interest on outstanding balances
• Revolving line – use it, pay it off, use it again
• Coverage of $500 or higher based on qualifications

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Link to Savings Account

• Automatically transfer funds from your savings account
• No monthly or annual fees
• Per transfer fee only if you overdraw your account

TellerPhone enables you to access account history and balances, transfer funds, make loan payments, get current rates and more, anytime – day or night.

How it works

1. Call 401-725-8436 or 800-966-3620
2. Choose from the menu of options for accessing your account information.

Download our Service Fees Schedule PDF file.

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