Coastal Credit Union

web: https://coastal24.com

CCU double withdrawal - not so good

Pluses

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