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It’s easy to become a member and earn cashback.

With everything in life getting more expensive, we want to help you keep more of your cash for the things you need. 
Become a member and follow the steps below to earn cashback on your household bills.

Step 1: Become a member in as little as 5 minutes online.

By opening a Free Chequing, Free Debit, and More Account® with no monthly balance required.

  • No monthly fee
  • Unlimited day-to-day transactions2
  • Save an annual average of up to $200 compared to other financial institutions.3
  • Click here for service fees on services that are not included with this account.
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Or Book an appointment.

Step 2: Start earning 20% cashback1 on your household bills, up to a maximum cashback bonus of $450.

Within the first 60 days after account opening:

  • Make eligible1 bill payments or set-up pre-authorized debits See FAQs section for links on how to make and set up bill payments and pre-authorized debits. that recur for 3 consecutive months or more. 20% cashback will be received after the payment has successfully cleared your chequing account for at least 3 consecutive months, to the same bill provider Each payment must be at least $25.

Earn cashback on payments like credit cards, utilities, cell phone, cable, mortgage, property tax, insurance, strata, gym memberships, car payments and more. See the FAQ section below for the list of exclusions.

We've answered your most popular FAQs.

This offer is only available to new, personal members who are residents of British Columbia. See terms and conditions.

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Within the first 60 days following account opening, set up and maintain the following;
  • Make one or more eligible bill payments and/or set-up one or more eligible pre-authorized debits, for a minimum period of 3 consecutive months. Each bill payment or pre-authorized debit payment must be at least $25.
  • 20% cashback will be received after the payment has successfully cleared your chequing account monthly for at least 3 consecutive months, to the same bill or pre-authorized debit payee.
  • To get the full maximum cashback bonus of $450, the new member will have needed to make $2,250 in eligible payments. The longer the recurring payment is in the account, the more cashback the member can earn, up to $450.
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Eligible household bill and pre-authorized debit payment categories include credit cards, utilities, phone provider, cable provider, child care, gym memberships, strata payments, property tax, mortgage, insurance, car payments, tuition, etc.

Only the following bill payment and pre-authorized debit categories are excluded: Any and all payments made to a PayPal, International Money Transfer Services (e.g., Wise or Western Union), short term/pay-day loans (e.g., National Money Mart, Cash Money Cheque, or Money Tree Canada), or any and all payments made via Interac® e-Transfer.

Pre-authorized payments to savings or wealth accounts are also excluded.

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New members that join during the campaign period (January 16 – March 12, 2024) have until July 31, 2024 to earn 20% cashback on their bills, up to a maximum cashback bonus of $450.

The first cashback payout will typically be deposited to the new member’s chequing account via electronic funds transfer within the month of May 2024. The May payout will be the sum of all eligible payments up to and including April 30, 2024 x 0.20.

The second cashback payout will be deposited to eligible members’ Coast Capital chequing accounts via electronic funds transfer within the month of August 2024. The August payout will be the sum of all eligible payments from May 1 - July 31, 2024 x 0.20.

If you do not qualify for the $450 maximum cashback bonus in time for the May 2024 payout, you can still qualify for the August 2024 payout.

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For instructions on how to make or set-up bill payments, learn more here.

For instructions on how to set-up pre-authorized debits, learn more here.

How is the 20% cashback bonus payout calculated?
The cashback payout will be calculated on the total amount of eligible bill payments and pre-authorized debit payments that have successfully debited the new chequing account for 3 consecutive months to the same bill or pre-authorized debit payee, from the date of the first bill payment or pre-authorized debit payment until July 31, 2024.


How much do I have to spend in order to get the full $450 cashback bonus?
To get the full maximum cashback bonus of $450, the new member will need to make $2,250 in bill payments or pre-authorized debits. To make this achievable: The member can add more than one eligible bill payment or pre-authorized debit payment per month (and have it recur for 3 months or more) and has up until July 31, 2024 to achieve the full cash back amount of $450. The longer the recurring payment is in the account, the more cashback the member can earn.

Can I open my account in branch or online?
To receive this offer, you can open your account online or in person at one of our branches. Open account online or book appointment.

I am a Coast Capital small business member; do I qualify if I open a personal account?
Yes, as long as you are a new personal banking member and haven't had a personal account within the last 5 years. To open a personal membership follow the steps to open an account online or in branch.

Can I earn 20% cashback on multiple accounts?
No. You are only eligible for the cashback bonus on one new personal chequing account.

Do I get the cashback bonus if I open a joint account?
Depends. If you are opening the joint account as a new personal member to Coast Capital, then you are eligible for the cashback if you meet the offer criteria. If you are opening a joint account as an existing personal member with Coast Capital, you are not personally eligible for the cashback but the other member you're adding to the account could be if they're joining as a new member.

I’m an existing member at Coast Capital, if I open a joint account with another person, do they get the cashback bonus?
Yes. If you add a new member to a joint account, only the new member will be eligible for the cashback bonus. Joint Accounts and Joint Memberships are only eligible for the cashback bonus on the new account.

I’m an existing member at Coast Capital, can I open a new one to get the cashback bonus?
No. Current and past personal members (within the last 5 years) do not qualify for this offer.

I used to have an account with Coast Capital, am I eligible?
Depends. If you haven't had a personal membership with Coast Capital in the last 5 years, you may be eligible for the offer if you meet the other eligibility requirements.

Why was my application denied?
There are a number of reasons a membership application may be declined. If your online membership application was declined please contact us.

As a financial cooperative, all Coast Capital members are owners.

So the success of our members really is our top priority and we actually care how things turn out.

Join us and experience the difference a real financial partner makes.

Real Partnership Real Partnership
When you're a Coast Capital member, we're with you every step of the way because your success is our success. We deeply value real human connection and that's why for over 80 years, we've been a trusted partner for our members. The more we understand you personally, the better we can help you create the real life you want today.
Real Advice Real Advice
We want you to feel confident that you're on the right path to achieving what matters to you. Our members are our only shareholders, so if it matters to you, it matters to us. Our focus is to educate and guide our members to the right financial solutions and to provide clear, simple, and personalized advice to maximize your results.
Real Impact Real Impact
Our commitment to our members is more than just their financial needs, it's also to their community. As a Certified B Corp, we want a more inclusive and sustainable world for all so we reinvest 10% of our profits each year back into the communities we work, live and serve in. And your membership is what helps make this all happen.
Take advantage of this limited-time offer.

Apply online in as little as 5 minutes.

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  1. Up to a maximum cashback bonus of $450. Read full New Member Cashback Offer terms and conditions here. The following bill payment and pre-authorized debit payment categories are ineligible and excluded from the offer: Any and all payments made to PayPal, International Money Transfer Services (e.g., Wise or Western Union), short term/pay-day loans (e.g., National Money Mart, Cash Money Cheque, or Money Tree Canada), or any and all payments made via Interac® e-Transfer.
  2. Transactions include cheques, Coast Capital Savings® and EXCHANGE Network ATM withdrawals, Interac® Direct Payment, preauthorized payments, Coast-by-Phone® bill payments, Coast Online® Banking bill payments and in-branch withdrawals, transfers and bill payments. Deposits and self-serve (Coast Capital Savings® ATM, Coast-by-Phone® and Coast Online® Banking) transfers are free.Additional network ATM transactions are subject to the fees listed. Surcharges from other financial institution ATMs are excluded.
  3. Fee savings based on comparisons to average fees on chequing products charged by other Canadian financial institutions.