Frequently Asked Questions

Coastline Bank branches can be found across the Mid North Coast in the following locations:

• Kempsey
• West Kempsey
• Crescent Head
• South West Rocks
• Port Macquarie
• Taree
• Kendall

Our branch finder has maps and lists the street address for each branch.

Our Head Office is located at 64 Elbow Street, West Kempsey NSW 2440.

For more information, visit our page.

Our Customer Support Centre is open Monday to Friday: 8:30am - 5:00pm

Phone 1300 361 066

Our branch finder lists the opening hours for each branch.

Our Head Office is open Monday to Friday: 8:30am - 5:00pm

For more information, visit our contact us page.

Coastline Bank's BSB is 704-189

Which ATMs Are fee-free?

Coastline Bank cardholders can make fee-free withdrawals at:

• Coastline Bank ATMs
• Westpac ATMs and affiliated ATMs, including Bank of SA and BCU
• Major banks, including Westpac, St. George, ANZ, CommBank, and NAB.

Private ATMs and non-affiliated banks may charge a fee. Always check the individual ATM for applicable fees and charges.

To sign up for internet banking, please call us on 1300 361 066. We’ll verify your identity and set up your account. You’ll receive a temporary password to change upon your first login.

To ensure your password meets the requirements, make sure it includes:

• At least one capital letter
• At least one number
• At least one symbol e.g.: ! @ # $ %
• At least one lowercase letter
• A minimum length of 8 characters.

Here’s an example of a valid password: holiD4y!

If you’ve forgotten your password, call us on 1300 361 066 or visit your nearest Coastline Bank branch. We’ll be happy to reset your password once we verify your identity.

If you’ve entered an incorrect password three times in a single day, your internet and mobile banking will be temporarily blocked until midnight. After midnight, the block will be automatically lifted, and you can try again. If you cannot wait until midnight, please call us on 1300 361 066.

To log in to Coastline Bank Internet Banking, simply follow these steps:

1. Go to digital.coastline.com.au or click on the ‘Login’ button on the Coastline Bank home page
2. Enter your member number and password.
3. Click ‘Submit’ or ‘Log In’.

If you are using a temporary password provided by Coastline Bank staff, you may be prompted to create a new password. Ensure your new password meets the required criteria: at least 8 characters long, including one lowercase letter, one uppercase letter, one number, and one symbol e.g. holiD4y!

1. Log in to Coastline Bank Internet Banking
2. Click on ‘Accounts’ then select ‘Manage PayIDs’
3. You may be prompted to enter an SMS verification or VIP verification code
4. Follow the prompts to register or update your PayID

We’ve all felt that sinking feeling when an unexpected direct debit hits our account.

With BPAY®, you stay in control. Choose when and how you pay your bills - whether it’s scheduling payments on a date that suits you or selecting the account you want to pay from. BPAY puts you in charge.

Pay your bills anytime, anywhere via mobile or internet banking using funds from your Access or Cash Management accounts. Or, if you prefer, visit us in-store, and our friendly team will be happy to help.

Most regular bills - utilities, rates, credit cards - can be paid with BPAY, and you can set up one-off or recurring payments for added convenience. Just ensure you have enough funds in your account on the scheduled date.

Learn more at bpay.com.au or watch the BPAY payment experience.

To pay your bills using BPAY®:

1. Log in to Coastline Bank Internet Banking
2. Select 'Transfer/Pay'
3. Select ‘BPAY’ from the menu
4. Select the account from which you want to make the payment
5. Enter the details:

• Description (optional)
• Biller Code
• Customer Reference Number
• Amount to be paid
• Choose to process the payment now by selecting ‘Pay Now’ or ‘Schedule’ to pay your bill at a later date
• Review your payment details; you can make changes if you need to
• Select ‘Confirm’ to complete your BPAY® payment

To view your eStatements:

1. Log in to Coastline Bank Internet Banking
2. Select 'Services'
3. Click on ‘View eStatements’
4. Browse through your electronic statements or use the search function to find specific statements by number or date range

1. Log in to Coastline Internet Banking
2. Select ‘Services’, then select ‘Card Management’
3. Verify your identity using Secure SMS or VIP authentication.
4. Once verified, click ‘Change PIN’ and follow the prompts.

You can temporarily increase your transfer limit via internet banking. The temporary increase will be valid until 6pm (NSW time) on the same business day.

1. Log in to Coastline Bank Internet Banking
2. Click on ‘Services’ (the third option at the top of the page)
3. Select ‘Secure Mail.’ You may be prompted to enter an SMS Verification Code. If this happens, request the code and you’ll receive it via SMS Enter the code to proceed
4. Your Coastline Mailbox will open. Select ‘Compose’
5. In the ‘To’ field, select Accounts
6. Enter the subject line: Increase transfer limit
7. In the ‘Mail Body,’ type your request, including your desired transfer limit

Session history allows you to keep track of what you’ve done in internet banking and spot suspicious activity fast. To view your session history:

1. Log in to Coastline Bank Internet Banking and click ‘Session History.’
2. View your previous account sessions, transactions, and other activities.
3. Apply filters such as date range or activity type to refine your search and find specific entries.

You can easily transfer funds to another Coastline Bank member or someone at a different institution using their BSB and Account Number.

Follow the steps below to make a transfer.

In Coastline Bank Internet Banking

1. Log in and select the ‘Transfer/Pay’ menu.
2. Select ‘Pay Someone’ from the menu.
3. Validate your secondary security (i.e. Secure SMS, VIP token or VIP App)
4. Select ‘NOW,’ to make the payment immediately or ‘LATER’ to schedule it for a later date.
5. Select payee and choose from your saved payees or select ‘Someone New’.
6. Select the payment type

• If the payee uses Osko®, you can transfer funds using their PayID, such as a phone number, email, ABN, or organisation ID.
• If the payee doesn’t have Osko®, choose ‘TO BANK ACCOUNT’ to input the BSB, Account Number, and Name.

Note: When transferring funds to another Coastline Bank member, use the BSB 704-189.

1. Select the account you would like the funds to be deducted from.
2. Enter the amount you want to transfer and, if needed, a reference.
3. Click ‘Next’ to review the details. You can go back and edit if you need to.
4. Click ‘Confirm’ to complete the transfer.

To make an international transfer:

1. Log into Coastline Bank Internet Banking.
2. Select 'Transfer/pay'
3. Select ‘International Transfers’
4. Select ‘Create Transfer’
5. Select the country and currency from the drop-down menus.
6. Enter the amount you wish to transfer, either in AUD or the foreign currency.
7. Click ‘Get Quote’ to see the exchange rate.
8. If you are happy with the exchange rate, review the details and proceed with the transfer.

If you’ve forgotten your password, call us on 1300 361 066 or visit your nearest Coastline Bank branch. We’ll be happy to assist you with the reset process.

If you’ve entered an incorrect password three times in a single day, your internet and mobile banking will be temporarily blocked until midnight. After midnight, the block will be automatically lifted, and you can try again. If you cannot wait until midnight, please call us on 1300 361 066

1. Log in to the app
2. Select the ‘Cards’ menu at the bottom of the screen
3. Select ‘Change card PIN’
4. Enter your new PIN and confirm it by entering the new PIN again

To make an international transfer:

1. Log into the MyCOAST Mobile Banking app.
2. Tap the menu (the 3-line icon) in the top right corner of your screen.
3. Select ‘Pay’ and then ‘International Transfers’.
4. Select ‘OK, let’s go’ and then ‘Create’.

Select payee, choose from your ‘Recents’ or ‘Favourites’ lists, or select ‘Create’ to set up a new payee.

1. Select the country you want to transfer to.
2. Fill out payee details and then ‘Continue’.
3. Use the search feature to fill out the receiving bank’s details or input manually, then ‘Continue’.
4. Choose the receiver’s preferred currency.
5. Enter the amount you wish to transfer, either in AUD or the foreign currency.
6. Click ‘Request Quote’ to see the exchange rate.
7. If you are happy with the exchange rate, review the details and proceed with the transfer.

1. Log in to the MyCOAST app and select the ‘Transfer’ menu.
2. Select ‘Between Accounts’ from the menu.
3. Use the pencil icon to select from account and to account.
4. Select the account you would like the funds to be deducted from.
5. Enter the amount you want to transfer and, if needed, a reference and/or description.
6. Select ‘Now’ to make the payment immediately, ‘Later’ to schedule it for a later date, or ‘Recurring’ if you would like this payment to be ongoing regularly.
7. Select ‘Continue’ to review the details. You can go back and edit if you need to.
8. Select ‘Complete transfer’ to finalise the transfer.

1. Log in to the MyCOAST app and select the ‘Transfer’ menu
2. Select ‘To someone else’ from the menu
3. Select payee, choose from your ‘Recents’ or ‘Favourites’ lists, or select ‘Create’ to set up a new payee
4. If creating a new payee, select the payment type

• If the payee uses Osko®, you can transfer funds using their PayID, such as a phone number, email, ABN, or organisation ID
• If the payee doesn’t have Osko®, choose ‘BSB / account number’ to input the BSB, Account Number, and Name

Note: When transferring funds to another Coastline member, use the BSB 704-189

1. Select the account you would like the funds to be deducted from
2. Enter the amount you want to transfer and, if needed, a reference and/or description
3. Select ‘Now’ to make the payment immediately, ‘Later’ to schedule it for a later date, or ‘Recurring’ if you would like this payment to be ongoing regularly
4. Select ‘Continue’ to review the details. You can go back and edit if you need to
5. Select ‘Complete transfer’ to finalise the transfer

1. Log in to the app
2. Select the ‘Cards’ menu at the bottom of the screen
3. Choose the card you wish to report
4. Select ‘Report lost or stolen card’
5. Select ‘Lost’ or ‘Stolen’ by clicking on the relevant button, then click proceed

What type of accounts does Coastline Bank offer?

We offer a variety of accounts to suit different banking styles and needs. This includes:

• Everyday accounts
• Savings accounts
• Budgeting accounts
• Fixed term deposits
• Kids and youth accounts
• Over 50’s accounts
• Business accounts

We also offer value-for-money home loans, credit cards, car loans and personal loans.

You can open a Coastline Bank Account right here on our website. It only takes a few minutes.

Alternatively, you can contact us at 1300 36 1066 or visit one of our branches.

To open an account at a branch, please bring in your original identification documents such as your driver's license or passport, and your Medicare card for easy verification.

Yes, we do offer joint accounts. To open a joint account, both account holders must be Coastline Bank members. If you don’t have a membership, we can set you up with one at the same time.

To set up a joint account, start by opening the account you want via The MyCOAST app or Coastline Bank Internet Banking, then send us a secure mail request. Alternatively, you can open a joint account at your local branch.

The Coastline Bank Gold Benefits Club is designed specifically for individuals aged 50 and over.

By paying a modest annual fee, you can enjoy a variety of exclusive benefits, including:

• Enhanced interest rates on deposits
• Discounted rates on select loans
• Reduced premiums on home, contents, and vehicle insurance
• Invitations to important seminars focused on lifestyle and financial well-being for those over 50

If you’re aged 50+, you’re welcome to join and take advantage of these valuable benefits.

We offer accounts for all age groups. Our Coastline Bank Cubs Account is designed for children aged 0-11 years. For older children aged 12-17, we offer our Kickstart Account.

A birth certificate is required to open these accounts. A parent or guardian must also be present when opening a Coastline Bank Cubs Account. Both accounts come with attractive interest rates.

Lost or stolen cards can be reported via:

1. The MyCOAST App
2. Internet banking
3. The card hotline: call 1800 621 199
4. If you’re overseas, call + 61 2 9955 7686

Once you cancel your card you will need to contact us to reorder a new card. Please visit your local Coastline Bank branch, or call us on 1300 361 066 to order your new card.

How to report using the MyCOAST App

1. Log in to the app.
2. Select the ‘Cards’ menu at the bottom of the screen.
3. Choose the card you wish to report.
4. Select ‘Report lost or stolen card’
5. Select ‘Lost’ or ‘Stolen’ by clicking on the relevant button, then click proceed.

How to report using internet banking

1. Log in to Coastline Internet Banking
2. Select 'Services' at the top of the page, then choose 'Card/PIN Management'
3. Select the card you wish to report
4. Click ‘Lost or stolen card’ and confirm by saving

Please note: A fee may apply for ordering a replacement card. Refer to our Disclosure Documents for further details.

If you’ve been targeted by a scam or suspect a scam, report it to us as soon as possible. Here’s how you can do so:

• Call our Customer Support Centre on 1300 361 066.
  Our team will take steps to secure your account and investigate the issue.
• Visit a Branch
  Visit your local branch during business hours and a friendly team member will help.
• Report it online
  You can also report suspected scams securely in internet banking. Simply log in and send us a secure message.

Please provide as much detail as possible about the scam, including any communications or transactions involved. This will help us address the issue and find the best way to assist you further.

For additional support, report the scam to Scamwatch. This Australian Government service helps track scams and works to prevent others from falling for fraudulent activities.

Secure SMS is a one-time SMS code sent to your mobile when transferring money to a new person or account. This code must be entered to authorise the transaction. To use Secure SMS, you must register your mobile number in internet banking.

To use Secure SMS, you must register your mobile number first. Follow the steps below to register.

1. Log in to Coastline Bank Internet Banking
2. Select the ‘Settings’ cog and click on ‘Secure SMS Management’
3. You may be prompted to provide your secondary security details
4. Enter or confirm your mobile number, and click ‘Register’
5. You will receive an SMS with an authorisation code
6. Enter the code into the box in internet banking
7. When the code is verified, your registration is complete

1. Log in to Coastline Bank Internet Banking
2. Click on ‘Services’ located at the top of the page
3. Under ‘Services,’ select ‘Secure Mail.’ You may be prompted to enter an SMS Verification Code. Request the code, then enter it to proceed
4. Your Coastline Mailbox will open. Click on ‘Compose'
5. In the ‘To’ field, select the recipient
6. Enter a subject for your message
7. Type your message in the ‘Mail Body’ section

Secure Mail can be used for a variety of purposes, including requesting a temporary raise of your transfer limit, discussing your loans or asking a question about your Coastline Bank accounts.

If you need a VIP Token (and cannot use the VIP app or SMS verification), please contact us at 1300 361 066 to discuss your options.

Download the VIP app on your mobile device

Select the appropriate link:

• Apple iPhone, iPad and iPod devices
• Android devices
• Windows Phone
• All other devices

Please note: The VIP app is managed by Symantec.

Registering your VIP Token or App:

You’ll need a VIP Token or have downloaded the VIP App.

Log into Coastline Bank Internet Banking.

1. Go to ‘Settings’ and then select ‘Register Token.’
2. Follow the prompts to complete the registration process.

If you need further assistance, please call us on 1300 361 066 or visit your local Coastline Bank branch.