Coastal Credit Union

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web: https://coastal24.com

CCU double withdrawal - not so good

Pluses

  • The web UI for transaction inquiries is pretty decent.
  • Can send money to anyone via email or cellphone.

Minuses

  • You can't use spaces in passwords.
  • The password instructions do not mention this.
  • When you enroll a device for fingerprint login, it doesn't remember the device name you entered when you go to enable tap-balances, and you have to log in again.
    • ...and the enrollment login screen doesn't have an option to show the password as you enter it.
  • Mobile app somehow bypasses phone's ability to remember passwords, so you have to type it in manually -- which means you need to choose a simpler, less-secure password (or else use fingerprint login, if your device supports it).
  • Setting up a shared account does not grant the other user online access; they have to set up their own account.
    • They can waive the membership fee if they live in the same household, however.
  • Card management requires a separate app with its own login credentials.
    • This app does not let you set PINs.
    • When creating an account, if you don't meet the password criteria on first attempt, it will continue to display an error message even after you fix the problem.
    • The password requirements are unnecessarily narrow:
      • 8-12 characters in length (why only 12?)
      • ≥ 1 uppercase
      • ≥ 1 lowercase
      • ≥ 1 number
      • ≥ 1 character from: !@$%^()_+~ (why no "?" or space?)
  • money transfer:
    • ...is not instant
      • unless the recipient pays $1 to use a debit card
    • ...is not any easier to send to a CCU member than it is to send to an account at any other bank
    • ...is not any easier for a CCU member to receive than it is to receive it to any other bank

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