Ultra Performance Checking

The ultimate checking account for 24/7 monitoring that keeps your assets protected and your identity safe.  

Earn Dividends While Having Peace of Mind

Our Ultra Performance Checking account includes advanced monitoring and identity theft protection to ensure you and your money are safe from the ever-increasing risks associated with data breach and identity theft. 

Higher dividends, extra savings and a whole lot more

Ultra Performance Checking (UPC) lets you enjoy the convenience of checking and liquidity along with special family bonuses. With just $1,000 to open the account, Cal Coast will waive the $20 monthly maintenance fee with a $15,000 daily balance.1

Step up to dividends:
  • Earn dividends with $2,500 minimum balance
  • Tiered rates for higher dividends
  • Bonuses, discounts and family benefits
Convenience everywhere you go: 
  • Free access to 30,000 CO-OP® ATMs Nationwide
  • Unlimited check writing
  • Courtesy Pay and Debit Card Courtesy Pay available
  • Free branch transactions
  • Free California Coast ATM and CO-OP Network transactions
Identity theft protection and recovery: 
  • A personal Privacy Advocate standing by to research and resolve any identity theft issue that you may suspect, or evidence of identity fraud that you discover
  • Reimbursement for certain expenses incurred in recovering from identity theft up to $25,0002
Powerful Monitoring Services:

Also included as part of your Ultra Performance Checking account is an entitlement for the primary account holder to receive the following powerful proactive identity fraud monitoring services at no additional cost.3

  • Daily Credit Score and Report on Demand
  • Continuous Credit Monitoring at all 3 major bureaus
  • Annual Tri-Merged Credit Report
  • Dark Web Monitoring to store and monitor important credentials
  • Social Media Monitoring
  • IP Address Monitoring
  • Solicitation Reduction
  • High Risk Transactions Monitoring
  • Dark Web Breach Notifications
Free with your account: 
  • Platinum Debit Mastercard®
  • Bill Pay
  • eStatements
  • Cal Coast Online
  • CoastLine Telephone Banking
  • Mobile Banking4, Mobile Deposit, Bill Pay and PayItNow person-to-person payments5
Earn more on your savings, save more on a loan payment!

With special family benefits, bonuses and discounts, you and your family6 can get a bonus on select certificates and a discount on select loans. Learn More

Already have a Ultra Performance Checking account, but haven't registered for identity fraud monitoring? Register Now


Get 5% cash back!

Mastercard Local

Shop around town with your Cal Coast Mastercard® and earn 5% cash back automatically at participating local businesses.7 Simply look for the Mastercard Local™ logo when you shop, and enjoy the cash back.

Supporting your local businesses helps build your community.

Advanced Security Debit Card

You May Also Like These Savings Options


Build your savings with a Cal Coast certificate and enjoy competitive fixed rates with your choice of terms from 3 months to 5 years.

IRA Certificates

Learn more about IRA Certificates with California Coast Credit Union. Contact us today to get started.

Investments and Financial Planning

Learn more about retirement & investments with California Coast Credit Union. Contact us today to get started.

APY = Annual Percentage Yield. Rates are accurate as of 04/17/2024. Rates and terms are subject to change without notice. Visit inikuliner.com or visit one of our branch locations for details on rates, fees, and minimum balance requirements. Membership and credit subject to approval. Serving everyone who lives or works in San Diego or Riverside counties. A one-time $5 membership fee and savings account required. Restrictions apply.

  1. A $15,000 minimum balance must be maintained to earn dividends. 
  2. Identity theft insurance is underwritten by Lyndon Southern Insurance Company, a member of the Fortegra family of companies. The information provided is a program summary. Please refer to the Identity Theft Expense Reimbursement Evidence of Coverage forms for additional information including details of benefits, specific exclusions, terms, conditions and limitations of coverage. Coverage is currently not available to residents of the state of New York and may not be available in other U.S. territories or jurisdictions in the future.
  3. MONITORING SERVICES ARE PROVIDED TO THE PRIMARY ACCOUNT HOLDER ON AN ENTITLED BASIS AND REQUIRE CONSUMER ACTIVATION. For additional details about the services, including terms, conditions, and limitations, please visit calcoastcu-upc.nxgstrategies.com.
  4. Check with your wireless provider to determine if data and text messaging rates apply.
  5. Maximum transfer amount is $1,000. There is no fee to use this service. Learn More.
  6. Family benefits restricted to immediate family members. Family member must have an open, active checking account to qualify. Both your Ultra Performance Checking and your family member's checking must remain open and active for the length of the loan or certificate to continue receiving special rates. Bonuses not applicable to existing Certificate or loan accounts and new money is required. Ultra Performance checking bonuses and discounts cannot be combined together with other account discounts or with select special rate offers.
  7. This is a special offer and exclusive to only eligible California Coast Mastercard debit and/or credit cards.  Eligible cards are automatically enrolled in the Program.  To opt-out of participating in the MasterCard Shop Local Program click here, call (877) 495-1600, or visit a Cal Coast Branch location. Program may be discontinued and subject to change at any time without notice. The offer can be used across a variety of participating merchants or repeatedly at your favorite participating merchants.  Purchases made online or through third parties and apps including, but not limited to food delivery apps, services, and platforms will not qualify for the offer. Simply use your enrolled California Coast Mastercard debit or credit card at participating merchants to automatically receive a statement credit on eligible purchases. No coupon necessary. The reward will be credited to your California Coast Mastercard used to make the qualifying purchase within 60 days from eligible purchase. Your account must be open and in good standing at the time reward is credited. Terms and conditions apply. Click here for full details.

Contact Me

Have questions? Want more information? We’re more than happy to get in touch. Let’s Talk. Just complete the form.