Additional features of the account regardless of the monthly requirements include:
$100 minimum opening balance
No minimum balance requirement
No monthly service charge
Free Online Bill Pay
There's an online application, however, I was told by a bank rep that they require you to come into one of their branches to open the account. Branches are located in the Washington State cities of Everett, Darrington, Monroe, Sultan, Freeland, Stanwood and Spokane.
Coastal Community Bank has several high yield long term certificates of deposits. These include a 6.27% APY 60-month CD, a 6.17% APY 36-month CD, a 5.90% APY 12-month CD and a 5.64% APY 12-month CD. The minimum deposit is $1K.
Branches are located in Panama City, Apalachicola and other cities in the Florida Panhandle. It appears you have to visit the branch to open an account.
The bank has been FDIC insured since 1934. Its financial rating by Bankrate.com is 4 out of 5 stars (sound).
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