Coastal Credit Union

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.
• 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

Links

• Mobile Banking at CCU