Open a FREE checking account at c2cfcu today and enjoy FREE EMV debit card and account access at over 40,000 ATMs including:

  • Publix Presto terminals
  • Co-Op network terminals including:
    • 7-11 store locations


Checking Account

A FREE Checking Account from c2cfcu is unlike any checking account you’ve ever had. Aside from all the financial features you want, the perks are reflective of what credit union membership is all about... benefits.

Account features:

  • No Minimum Balance Requirement
  • No Per Check Charges
  • 24/7 Home Branch Online Banking
  • EMV Visa Debit Card
  • Direct Deposit & Payroll Deduction


EMV VISA Debit Card
With c2cfcu’s EMV VISA Debit Card, paying for purchases or getting cash is quick and easy. Use your EMV Visa Debit Card to make purchases anywhere that accepts Visa or at thousands of Publix Presto and Co-Op ATMs nationwide including all 7-11 store locations.

Direct Deposit
Sign up for direct deposit and have your paycheck deposited directly into your checking account. You'll have faster access to your funds and added peace of mind, whether you're at home or traveling. Just give your employer your c2cfcu account number and transit/routing number (263183117).

Online Bill Pay
Pay your bills from your computer with our Online Bill Pay Service. You can pay bills any time day or night, transfer money between accounts and set up repeating payments.

Fresh Start Checking

Fresh Start Checking

Trouble with an account in your past may be preventing you from being able to open a new account, no matter where you apply. Maybe you’re in a situation where another financial institution has turned down your request to open a new account.

Everybody deserves a second chance at least that is how we think here at c2cfcu.


  • Reasonable monthly maintenance fee of $7.50
  • EMV Visa Debit Card
  • Online Banking
  • Potential upgrade to a FREE Checking Account after 12 months of successful account

How does a Fresh Start Checking* Account benefit me?

  • John uses a check-cashing service to cash his paychecks. He gets charged a fee of 5% of the check value and spends $2,000 per year to cash his paychecks.
  • Jane uses a c2cfcu Fresh Start Checking account. She pays $7.50 a month to maintain her account, costing just $90 per year. After one year of maintaining her Fresh Start Checking account, she earned a FREE Checking account with no monthly fee.

After one year, John paid $2,000 in check-cashing fees. Jane paid only $90 in Fresh Start account fees, saving $1,910 more than John!

*Direct deposit is required with this account. No checks are issued, but a debit card is issued following the first direct deposit into the account. After 12 months of successfully maintaining your Fresh Start Checking Account, you may be upgraded to a FREE Checking Account. Any items that cause a negative balance on this account during this 12 month period may result in the immediate closing of this account. c2cfcu reserves the right to close this account at any time without prior notice, at its sole discretion.


Savings Account

Good savings habits are the foundation of financial success. At c2cfcu, we encourage members to actively make routine deposits into their Savings through Payroll Deduction and/or Direct Deposit.

Your member-owner share of the credit union is based upon your initial deposit of $5.00. Members are asked to reach a $100 balance within 180 days, at which time you will begin to receive the current dividend rate, paid quarterly. Your Share Savings Account will not be charged a monthly service fee as long as a $300 combined average aggregate daily balance is maintained.

As a value-added benefit, your savings account comes with FREE $1,000 Accidental Death & Dismemberment Insurance. Click here for more information.

debit/atm cards

Debit & ATM Cards

EMV VISA Debit Card

An EMV VISA Debit Card looks and is accepted like a credit card, but the money is automatically withdrawn straight from your c2cfcu Checking Account. Your EMV or chip card comes with an encrypted microchip embedded in the card. The microchip provides an enhanced layer of security to your transactions.

Your EMV card will also have the usual magnetic stripe on the back so you can continue using your card at ATMs and Point of Sale terminals while merchants in the US are transitioning to the new chip-ready terminals.

Open a c2cfcu Checking Account to get your debit card. If you already have an active Checking Account at the Credit Union and do not have a debit card, call 1-800-237-5567 today!

If lost or stolen, please contact (800) 237-5567.

visa verified

ATM Card

Withdraw money conveniently from over 40,000 ATMs nationwide with your c2cfcu ATM and/or Debit Card. ATMs offer a simple and convenient way for you to withdraw cash, transfer funds and obtain account balance information.

  • Transactions at Publix Presto!, Co-Op and 7-11 Store ATMs nationwide are FREE
  • Withdraw up to $400 per day

If lost or stolen, please contact (800) 237-5567.

Credit Card

c2cfcu offers some of the most consumer-friendly credit cards available. Select from any of our eight cards, each offering unique benefits.

  • VISA Signature® Bonus Rewards and VISA Signature® Bonus Rewards PLUS Cards
  • VISA® Platinum Card
  • College Rewards VISA® Card
  • Secured VISA®Card
  • VISA® Business Bonus Rewards and VISA® Business Bonus Rewards PLUS Cards
  • VISA® Business Card

For more information and to apply click here.

If lost or stolen, please contact (800) 558-3424.

club accounts

Club Accounts

When you need to save up for something big like the holidays or a one-of-a-kind vacation, c2cfcu has exactly what you’re looking for.

Christmas Club

A Christmas Club Account is a unique account designed to help you save for the winter holidays. With no minimum deposit requirements, you are free to begin saving with as little or much as you desire. Your money will be automatically transferred to your Share Savings Account on November 1st each year – just in time for holiday shopping!

Vacation Club

Instead of using a credit card to fund your next vacation, use a Vacation Club Account. This account allows you to make FREE deposits weekly, bi-weekly or monthly through Payroll Deduction or Direct Deposit. With quarterly paid dividends on accounts over $100, you will not only save interest by not using a credit card, you’ll earn interest!

Whether you plan to go to a tropical paradise, head to the mountains for skiing or take the kids to Disney World, a Vacation Club Account is the perfect choice.

money market

Money Market Account

A Money Market Account is a great account for members not ready to lock funds in a Certificate of Deposit. A Money Market Account earns you higher dividends than a FREE savings account while keeping quick access to your funds.

Money Market Accounts require an initial deposit of $2,500. Additional deposits can be made at any time. Withdrawals are limited to six per month and must be a minimum of $250.


IRA Account

It’s never too early or too late to save for your retirement. An IRA from c2cfcu will help you start building or add to your existing savings. All three IRA options are available – Traditional, Educational and Roth.

We have created a basic comparison of the two main types of IRAs, which can assist you in selecting the best option.


share certificate

Share Certificate

CDs are a simple and secure way to invest your funds. Obtain higher dividend rates than our FREE savings account and flexible terms that will fit your financial needs.


  • Terms from 6-months to 60-months
  • Guaranteed fixed-term dividends
  • The longer the term, the higher the dividend rate
  • No service or transaction fees (early withdrawal penalty may be assessed)
  • Funds are federally insured by the NCUA

Wire Transfers

Wire Transfers

Listed below are instructions for wiring funds to your c2cfcu account from another financial institution:

  1. Wire funds to intermediary financial intuition:
    Catalyst Corporate Federal Credit Union
    Plano, TX
    Routing Number: 311990511
  2. Further credit to:
    Coast 2 Coast Financial Credit Union
    Tampa, FL
    Routing Number: 263183117
  3. Final credit to:
    The c2cfcu account number you want to receive the funds
    The name as it appears on the account.

Funds will generally be wired and processed the same day or the next business day, depending on the other financial institution. Incoming funds are processed upon receipt and posted to accounts the same day if received prior to 5:00 PM EST. If funds are not received prior to 5:00 PM EST, they will be posted the next business day. Other financial institutions may charge a fee to wire funds. International wires may incur additional fees from the correspondent bank. Refer to Schedule of Fees for any applicable fees.