Central Coast Federal Credit Union - Community Minded Just Like You!


What is Central Coast FCU ABA Routing Number?

Central Coast FCU ABA Routing Number is 321172374.

What is the correct account number format for direct deposit?

Savings Account:

1234500 or 00001234500


1234580 or 00001234580 or 73800001234580 (as shown on checks)

Money Market:

Loans: Direct deposit is not applicable on Loans

How do I order checks?

Several Ways to order/reorder checks:
  • NOTE: If you have the old Harland Clarke checkbook, please send us a written request via Online Banking with your order details..
  • For first time orders please send us a written request or come to one of our offices.
  • To reorder online with Main Street website click Reorder Now
  • Send us a note on your Online Banking Message Board regarding your check reorder request.
  • You may also send us a letter of reorder via fax, mail or scanned letter thru e-mail.

How do I sign up for Online Banking?

There are three ways to sign up for Online Banking.
  • You may come into one of our branches and ask a teller that you want to sign-up for online access.
  • You can give us a call at 1800-562-0312
  • Go to our forms page and complete application form and mail it to:
Central Coast FCU
4242 Gigling Road
Seaside, CA 93955


Fax to (831)899-2572

How can I get a username?

Please complete the Online Banking application form and the Credit Union representative can help setup a username for you.

What if I can't remember my password?

Central Coast Federal Credit Union Online Banking has an online feature where you may reset and change your password at any time. For password reset, you would need to choose to sign up for this service in order to reset your password at your own pace. We recommend our members to choose this option to prevent any delay in accessing your account online. If you already have chosen not to participate to this service and currently have your password, you may change your preference by clicking on "Other Options" menu, choose "Change Password" and answer "Yes, I want to use the online password reset". Simply choose and answer a question from the drop down list then provide an email address where your temporary password will be e-mailed.

Steps on how to change your password

To change your password simply follow these instructions.
  • Login to Online Banking
  • Click on "Other options" menu and select "Change Password"
  • Enter your Current password
  • Enter your New password
  • Verify your New password
  • Click "Continue" to process your request

If I have more than one account will I have more than one username?

Members will be required to register one unique username for each account. However, you can complete our Cross-Account Transfer form to control multiple accounts with one login credentials.
Note: You will be required to login separately on each account to view estatements.

What is Bill Pay?

Billpay allows you to make payments to vendors and transfer funds to other financial institutions via online or mobile. To sign-up, simply log in to your Online Banking Account and click on "Billpay & Transfers" to sign up for the service.

Can the credit union reset a member's username?

Yes and if a member forgets the username, any credit union representative can provide this information after verifying the member's identity. You may also change your username or password via Online Banking.

How can I view a copy of my cleared checks?

Online Banking lets you access this feature for free. From the Account Summary page, go to your checking account transaction history or recent check clearing and you will then see the check numbers that cleared your account. Simply click on the check number to view the image of your check.

What are eAlerts?

eAlerts will notify you instantly via email or text message on certain transactions or events happening in your account(s), such as low balance notifications, check clearing, and even direct deposits.

How do I start using eAlerts?

Registration is easy! Just log on to Online Banking to activate and customize your settings. Help feature has been added to the registration page to guide you in setting eAlerts and best of all, it's absolutely FREE!

Mobile Banking

What is Mobile Banking?

Mobile Banking is a solution that enables our members to perform banking transactions, inquiries, account transfers, bill payment and mobile deposits by using their mobile devices.

What phones support Mobile Banking?

All phones with modern web browser. IPhone/iPod touch, iPad, Android, BlackBerry, Windows Mobile, Palm OS Treos, Most Java capable phones.

How to get started on Mobile Banking?

Current Online Banking users can use their login credentials to login via mobile banking. If you are not signed up for Central Coast Federal Credit Union online banking service, please complete our Online Banking application form. If you already have the service, simply download our app on your smartphone:

Why do I get a One-time Pin for Mobile Banking?

Here at Central Coast Federal Credit Union the security of our Member's information is extremely important. We utilize a security system that monitors each time a member logs in to their account. Every different device or browser creates a different session and when this number of sessions reaches a certain threshold, a One-time Pin is generated and emailed to the member. One-time PIN will be prompted at login to verify your identity. Consider the One-time Pin as an additional layer of security to provide you with a secured, reliable and convenient service.

What should I do if I get a One-time Pin?

If you receive a pop up on your mobile device saying that you have an outstanding One-Time Pin, check your email and retrieve the temporary PIN provided. Login to your Mobile Banking as you would normally do and the next immediate screen will ask you to enter the One-time Pin. This process registers your device into our database and will notify us that this is your device and not an impostor. One-Time PIN can only be used once and should be deleted from your inbox to avoid confusion. This process will trigger again when you login on a different device or use a browser.

How much time do I have to use the One-time Pin before it expires?

The One-time Pin expires in 48 hours.

What should I do if my One-time Pin expired?

In the event that a One-time Pin expired simply contact Member Services during business hours so that we can reset the PIN for you.

Can I make payments to my Loans with Mobile Banking?

Yes, you can use the CCFCU Mobile Banking App to make loan payments from your savings or checking account.

Can I use Bill Pay on my Mobile Banking App?

Yes, you can use Billpay in our Mobile Banking App to monitor your next due dates and send your payments at any time using your smartphone. Please note that Billpay service activation and creation of new payees are only allowed via desktop version of Online Banking

What do I do if I am not able to access Bill Pay in my phone?

Billpay service activation and creation of new payees are only allowed via desktop version of Online Banking. This is to prevent anyone from accessing your account in the event you misplaced your mobile device. Once you have activated this service and successfully established Billpay payees then you may take advantage of this feature via mobile device.

Mobile Deposit

What is Mobile Deposit?

Mobile Deposit is a convenient solution that enables our members to make check deposits from anywhere by using their mobile devices.

What phones support Mobile Deposit?

Mobile Deposit is supported only on those smartphones capable of downloading our app in App Store (iOS) or Play Store (Android)

What do I need to be eligible for mobile deposit?

Being eligible for Mobile Deposit is really easy; however there are some scenarios where the account might not be eligible for Mobile Deposit:
  • If we are missing your email address on your account information
  • If the account is a business account
  • If Courtesy Pay has been revoked
  • If there are any Court Order restrictions
  • If member file for Bankruptcy
  • If account was charged-off
  • If the account has any restrictions on ATM deposits

How should I endorse a check for Mobile Deposit?

Endorsing your check properly is really important when using Mobile Deposit but also really easy, make sure you don't miss any of the following:
  • Signature
  • Account number
  • Write "For Mobile Deposit at CCFCU"

Can I make a payment using the Mobile Deposit app?

Mobile Deposit will only allow you to deposit directly to saving or checking account and not a loan. However, you can make loan payments by transferring funds from your savings or checking accounts.

How quickly will the deposit be credited to my account?

When you deposit a check or multiple checks using Mobile Deposit, up to $300.00 will become immediately available on your account. Any single or combined balance after $300.00 will be placed on hold. Usually funds will be available after 2 business days depending on the account and the amount, however longer holds might apply.

How quickly will the funds be available for me to use?

The first $300.00 of your single or combined deposits will be available immediately; the rest will become available when the funds clear the hold which can range from 2 to 5 business days. Longer holds might apply.

Are there any limits on Mobile Deposit?

There is a daily limit deposit of $2500.00 and a monthly limit of $5000.00. If you need to make larger deposits, please visit any of our branches.

Are there any deposit items that cannot be submitted using Mobile Deposit?

  • Savings Bonds
  • Foreign checks
  • Any item drawn on the account in which you are making the deposit
  • Any item that is "stale dated" (6 months or older) or "postdated"
  • Any item that is incomplete (i.e. missing the date, missing the payee, etc.)
  • Any item that contains evidence of alteration to the information on the check
  • Any item that is stamped with a "non-negotiable" watermark
  • Any third party check (any item that is made payable to another party and then endorsed to you by such party)

How many checks can be deposited through Mobile Deposit?

There are no limits on the number of checks that you can deposit through Mobile Deposit as long as these don't exceed $2500.00 as a daily maximum and $5000.00 monthly maximum.

For how long should I keep my check after making a Mobile Deposit?

After making your deposit, monitor your account to verify your transaction and keep the check for 14 days before you can destroy it.

Is there any cost for using Mobile Deposit?

Mobile Deposit is completely free of charge just like many of the services here at Central Coast Federal Credit Union.

How do I make a Mobile Deposit?

The Mobile App will guide you through the process step by step.