NOTE: Bank is GreenFi, formerly known as Aspiration, with Banking Services provided by Coastal Community Bank, Member FDIC. 4551 Glencoe Ave, Suite 300, Marina Del Rey, CA 90292. COMPLAINT: On June 12, 2025, I submitted a Billing Dispute to Coastal Community Bank regarding five charges for Bitcoin that I purchased from a merchant which were never received or deposited into my Bitcoin wallet. I was asked for more specifics by the bank, which I provided, including screenshots of my Bitcoin wallet showing that the purchases were never fulfilled by the merchant. On June 24, 2025, I was informed by the bank that the merchant is contesting my claims and they would therefore be sending the case to pre-arbitration. On July 1, 2025, the bank issued credits to me for the disputed charges then immediately reversed those credits, telling me they had closed the dispute in favor of the merchant, without following through with arbitration. Although these disputed charges are all related to purchases made online with my debit card, the bank is claiming that the disputes do not fall under Regulation E due to the “nature of my claims” against the merchant, even though Regulation E includes the definition of electronic fund transfers as purchases made with a debit card. I have provided proof to the bank to support my claims.
Compare Coastal Community Bank Checking Accounts
Please find below checking accounts offered by Coastal Community Bank.
Interest Rate Breakdown
| Balance | APY |
|---|---|
| $0 - $250,000 | 1.30% |
- Minimum to Open: $0
Additional Info
- Earn a $500 cash bonus! You can earn $500 when you open a new Bluevine Business Checking account and meet eligibility requirements.
- To get your $500 bonus, simply apply for a Bluevine Business Checking account anytime between now and 1/31/2026 using referral code WH500.
- After opening the account, customers must add funds within 30 days, then meet at least one of the following eligibility requirements every 30 days for the next 90 days from account funding:
- (a) Deposit at least $5,000 from eligible merchant services to your Bluevine account; OR
- (b) Make at least $5,000 of outbound payroll payments from your Bluevine account using eligible payroll providers; OR
- (c) Spend at least $2,000 with your Bluevine Business Debit Mastercard® and/or Bluevine Business Cashback Mastercard®
- If a New Customer meets all of the eligibility requirements and conditions of the promotion, Bluevine will deposit the bonus into their Bluevine Business Checking Account by the tenth day of the month that follows the month in which the last requirement was met provided that the account is not closed or suspended.
- Earn 1.30% annual percentage yield on balances up to $250,000 if you meet a monthly activity goal. That’s up to $5,000/year in interest. Here's How:
- (a) Spend $500 per month with your Bluevine Business Debit Mastercard® or Bluevine Business Cashback Mastercard; OR
- (b) Receive $2,500 per month in customer payments to your Bluevine checking account or sub-accounts.
- No interest earned on balances over $250,000
- FDIC insurance up to $3M
- No monthly fees, monthly or daily balance minimums, ACH payment fees, incoming wire fees, or overdraft fees.
- Free standard ACH and unlimited transactions.
- Withdraw cash from your Bluevine account with no fees at more than 37,000 MoneyPass® ATMs.
- Learn more about the Bluevine Standard Business Checking
Interest Rate Breakdown
| Balance | APY |
|---|---|
| $0 - $250,000 | 2.0% |
- Minimum to Open: $0
Additional Info
- Earn a $500 cash bonus! You can earn $500 when you open a new Bluevine Business Checking account and meet eligibility requirements.
- To get your $500 bonus, simply apply for a Bluevine Business Checking account anytime between now and 1/31/2026 using referral code WH500.
- After opening the account, customers must add funds within 30 days, then meet at least one of the following eligibility requirements every 30 days for the next 90 days from account funding:
- (a) Deposit at least $5,000 from eligible merchant services to your Bluevine account; OR
- (b) Make at least $5,000 of outbound payroll payments from your Bluevine account using eligible payroll providers; OR
- (c) Spend at least $2,000 with your Bluevine Business Debit Mastercard® and/or Bluevine Business Cashback Mastercard®
- If a New Customer meets all of the eligibility requirements and conditions of the promotion, Bluevine will deposit the bonus into their Bluevine Business Checking Account by the tenth day of the month that follows the month in which the last requirement was met provided that the account is not closed or suspended.
- Earn 2.0% APY! Boost your earnings with higher interest on balances up to $250,000, all in a single account. Plus customers get 2.0% APY without minimum qualifications.
- Save on payment fees. Enjoy 20% off most standard payment fees including same-day ACH and international payments.
- Protect your money. Get up to $3 million in FDIC insurance—that’s up to 12x the standard coverage of $250,000
- No interest earned on balances over $250,000
- Withdraw cash from your Bluevine account with no fees at more than 37,000 MoneyPass® ATMs.
- $30 monthly fee for Bluevine Plus, waived if the following conditions are met: Clients must have a minimum $20,000 balance across their Bluevine Business Checking account and sub-accounts each billing period AND $2,000 debit spend on Bluevine Business Debit Mastercard®
- Learn more about the Bluevine Plus Business Checking
Interest Rate Breakdown
| Balance | APY |
|---|---|
| $0 - $3,000,000 | 3.25% |
- Minimum to Open: $0
Additional Info
- Earn a $500 cash bonus! You can earn $500 when you open a new Bluevine Business Checking account and meet eligibility requirements.
- To get your $500 bonus, simply apply for a Bluevine Business Checking account anytime between now and 1/31/2026 using referral code WH500.
- After opening the account, customers must add funds within 30 days, then meet at least one of the following eligibility requirements every 30 days for the next 90 days from account funding:
- (a) Deposit at least $5,000 from eligible merchant services to your Bluevine account; OR
- (b) Make at least $5,000 of outbound payroll payments from your Bluevine account using eligible payroll providers; OR
- (c) Spend at least $2,000 with your Bluevine Business Debit Mastercard® and/or Bluevine Business Cashback Mastercard®
- If a New Customer meets all of the eligibility requirements and conditions of the promotion, Bluevine will deposit the bonus into their Bluevine Business Checking Account by the tenth day of the month that follows the month in which the last requirement was met provided that the account is not closed or suspended.
- Earn 3.25% APY! Maximize your earnings with market-leading interest on balances up to $3 million.
- Save on payment fees. Enjoy 50% off most standard payment fees including same-day ACH and international payments.
- Protect your money. Get up to $3 million in FDIC insurance—that’s up to 12x the standard coverage of $250,000
- No interest earned on balances over $3,000,000
- Withdraw cash from your Bluevine account with no fees at more than 37,000 MoneyPass® ATMs.
- $95 monthly fee for Bluevine Premier, waived if the following conditions are met: Clients must have a minimum $100,000 balance across their Bluevine Business Checking account and sub-accounts each billing period AND $5,000 debit spend on Bluevine Business Debit Mastercard®
- Learn more about the Bluevine Premier Business Checking
Interest Rate Breakdown
| Balance | APY |
|---|---|
| $0+ | 0.00% |
- Minimum to Open: $0
Additional Info
- Early pay, Debit Rewards, no monthly fees, and more.
- 3.75% APY on Savings. With OnePay Cash+, earn in your sleep with 3.75% APY on Savings balances up to $250,000
- Early pay. Payday’s better when it’s early. Get your money up to 2 days faster with direct deposit.
- Get started Get started OnePay™ is a financial technology company, not a bank.
- Banking services provided by Coastal Community Bank or Lead Bank, Members FDIC.
- Learn more about the OnePay Cash Account
Coastal Community Bank Checking Accounts Reviews
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