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When speed matters: If you need to use your new account quickly, what the process is (or chat with customer service online).

If the bank needs your signature on paper, you’ll need to wait longer before using your account.

In some cases, you can’t do everything you need online—you need to visit a branch or provide additional documentation to open an account.

Some common reasons include:“Thin” credit: Banks verify your identity as you open your account.

Does not apply to ATM cards PO Box 509074 San Diego, CA 92150-9074 If you’d like direct deposit simply download the form here, if you want to make automatic payments, download our ACH form, or log into Cal Coast Online and click on 'Transfers' then 'External Transfers' to set up a recurring payment.