[NC] Coastal Credit Union $300 Checking Bonus

Offer at a glance

  • Maximum bonus amount: $300
  • Availability: persons who live and work in the entire cities of Littleton NC, Weldon NC, Aurelian Springs NC, Airlie NC, Halifax NC, Arcola NC, Hollister NC, Brinkleyville NC, Heathsville NC, Tillery NC, Enfield NC, Scotland Neck NC, Whitakers NC, Castalia NC, Red Oak NC, Dortches NC, Leggett NC, Wrendale NC, Speed NC, Nashville NC, Rocky Mount NC, West Edgecombe NC, Woodcrest Park NC, Tarboro NC
  • Direct deposit required: Yes, $1,000+
  • Additional requirements: None
  • Hard/soft pull: Unknown
  • ChexSystems: Unknown
  • Credit card funding: Unknown
  • Monthly fees: None
  • Early account termination fee: None
  • Household limit: None
  • Expiration date: None

The Offer

Direct link to offer

  • Coastal Credit Union is offering a $300 bonus when you open a Go Green Checking account and complete the following requirements:
    • Have direct deposit totaling at least $1000 within the first 60 days

The Fine Print

  • You can receive only one new checking account opening-related bonus every two years from the last time you received one and only one bonus per account.
  • To receive the bonus: 1) Open a Go Green Checking account, which are subject to approval; AND 2) Have your direct deposit made to this account within 60 days of account opening with a cumulative total of at least $1,000.
  • Your direct deposit needs to be an electronic deposit of your paycheck from your employer. Person to Person payments are not considered a direct deposit.
  • We’ll deposit the bonus in your savings account, referred to as your Primary Share, within 30 days following all qualifications being met.
  • To receive this bonus, the enrolled account must not be closed or restricted at the time of payout. Employees of Coastal Credit Union and its affiliates are not eligible for this offer. Bonus is considered dividends.
  • All bank account bonuses are treated as income/interest and as such you have to pay taxes on them

Avoiding Fees

Monthly Fees

This account has no monthly fees to worry about.

Early Account Termination Fee

Account needs to be open when bonus posts. There is also a $5 inactivity fee after 6 months.

Our Verdict

Need to know if it’s a hard or soft pull to open. If anybody signs up please share your experiences in the comments below.

Hat tip to reader librarian

Useful posts regarding bank bonuses:
    William Charles
  • On July 23, 2023, 11:00
Tags: direct deposit requirednc bank bonuses

View Comments (24)

  • Out-of-state eligibility?

    By joining the Sustainable Energy Association (NCSEA)This non-profit membership organization consists of individuals, businesses, governments, and non-profits interested in North Carolina's sustainable energy future. By choosing to join NCSEA, you qualify for Coastal Credit Union membership. The $18 NCSEA membership fee will be deducted from your initial deposit to your Coastal Primary Savings account.

  • 7/27 - Opened
    8/10 - $1000+ transfer from Wise "Payroll"
    8/24 - $1000+ transfer from Fidelity (just in case)
    9/1 - $300 "Opening Bonus" posted in Savings account

  • Both P2 and myself signed up and were approved. I'll be using a real DD to (hopefully) trigger the bonus. For P2, I plan to use some combination of Alliant, SoFi, Discover, and possibly Fidelity to simulate a DD. Of note, the bonus posts 30 days after the terms are met (meaning the DD) and we have 60 days to complete the DD. As such, I should know within the initial 60-day window if these worked. The "List of Banks that Code as a DD" part of this site has no datapoints for Coastal Credit Union. As such, I'll be sure to report back, although it is quite possible that I'll be unsure exactly which of these banks triggered the bonus (assuming the bonus is indeed triggered).

  • Can join NC Consumers Council for $20, which apparently qualifies you for membership. Any of you OOS animals going to try this one?

    • I'm in state, but not in one of the locations listed in the eligibility section. I used this NC Consumers Council method to join and was able to successfully open an account. Will then refer P2 using P1's membership as the eligibility

      • @guest_1661486 Thanks! Did they pull your Chex report? If so, what were your Chex stats for the last 1, 3, 6, and 12 months?

  • Long time member here. Gonna close account and reopen I guess. Nothing in eligibility says existing checking members in __ months can't get bonus.

  • Where did you see the availability details? I dont see it on the site about the cities that are included.

  • Coastal has branches all over the Triangle, but doesn't give community membership to those cities?

    • I also live in Cary about 5 minute drive away from a branch. I’m holding off on this one for a few days. I’ll try to visit a branch and see if they’ll do this.

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