Earn 3.25% APY on checking account balances up to $20,000 with no minimum balance requirement. Balances over $20,000 earn 3.25% on the first $20,000 and 0.35% on funds exceeding that amount. Account requires electronic statements, 6 debit card transactions, and 1 external ACH transaction monthly, or face a $25 service charge.
Eligibility
Available in 1 states
RI
Credit-pull posture pending
We have not yet confirmed how this account is screened. Check with the institution.
How to get the Coastal1 Credit Union Advantage Checking rate
- Receive your account statement electronically via online banking.
- Make at least 6 debit card point-of-sale transactions (must post and settle).
- Have at least one external ACH credit or debit transaction (must post and settle).
The fine print that matters
- Balances over $20,000 earn 3.25% on first $20,000 and 0.35% on any funds over $20,000
- Monthly service charge of $25 if eligibility conditions not met
- If conditions not met for 3 consecutive months, account reverts to free checking
- Limit one Advantage Checking per member
- 0.10% bonus rate on any Coastal1 CD available for combined deposit relationships of $25,000 or more
Verification and reports
Confirmed against coastal1.org on Aug 8, 2026. Based on 0 field reports. Status Limited reports is computed from those reports, never hand-set.
Report your result
Reviewed by a human before it publishes. We do not ask for your name or contact, and a published report never carries one.
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Sources: coastal1.org rate page (checked Aug 8, 2026)
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