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Founded in 1953 as Santa Barbara Teachers Credit Union, West Coast Community Bank has become California’s coastal financial anchor — managing $1.8 billion in assets for over 85,000 members from San Diego to Eureka. The West Coast Community Bank portal is your digital harbor — delivering encrypted, real-time access to checking, high-yield savings, boat loans, first-time home mortgages, and member-exclusive rewards — all backed by NCUA insurance up to $250,000 and a Pacific-first philosophy. With 18 branches along the coast and a mobile app rated 4.9 stars, West Coast Community Bank blends ocean culture with AI budgeting, fraud alerts, and 24/7 access for a lifetime of coastal financial flow.
Started in 1953 to support Santa Barbara educators and mariners, West Coast Community Bank has grown into a $1.8 billion member-owned tide, serving teachers, fishermen, surfers, and families along California’s coast. The West Coast Community Bank platform is your financial surfboard — offering smooth control of checking, youth savings, boat refinancing, first mortgages, and small business loans with coastal efficiency. Unlike banks, West Coast Community Bank rides member waves: you own it, vote on direction, and benefit from $750,000 in annual community donations for beaches, schools, and local causes.
West Coast Community Bank delivers wave-ready features — Zelle® sends, mobile check deposit, card lock, and more. Deposit up to $8,000 from the beach, transfer between accounts in seconds, and earn rewards on everyday spending — all inside the secure West Coast Community Bank ecosystem. Apple Pay, Google Pay, and real-time alerts keep you riding smooth.
Getting started is a breeze. Use your California ID, verify with a selfie or call, and fund your $5 Membership Share — in under 60 seconds, you’re in the West Coast Community Bank lineup. Use the app with Touch ID, the web portal with budgeting AI, and the always-on virtual guide “Coast Assistant.” Link external accounts, set auto-saves, and go paperless — all through West Coast Community Bank.
West Coast Community Bank operates a zero-trust security model, SOC 2 certified, with continuous testing and partnerships with Norton. All data is encrypted with 256-bit AES, protected by MFA (SMS, app, biometrics). AI monitors 150+ behavior signals per session, blocking fraud in <50ms. Systems in Santa Barbara maintain 99.99% uptime with cloud redundancy.
West Coast Community Bank invests $1.2 million+ annually in member innovation. The 2026 roadmap includes AI financial coach, voice banking, and expanded marine rewards — all launching through West Coast Community Bank.
Coastal members share how West Coast Community Bank powered their financial journey — from first boats to dream homes.
"Financed my Bayliner at 6.24% APR and saved $78/month — approved in 10 minutes via West Coast Community Bank!" – Mia R., Santa Cruz Surfer
"Bought my Monterey condo in 22 days with a 6.875% mortgage — all digital through West Coast Community Bank." – Jake T., Local Fisherman
"West Coast Community Bank is my financial board — smooth, fast, and always there." – Lisa M., San Diego Teacher
West Coast Community Bank returns profits to members — $750,000 in 2024 via dividends and fee waivers.
West Coast Community Bank has helped thousands ride to financial freedom — from first boats to business launches.
West Coast Community Bank turns spending into strategy. View 120-day trends, categorize with 99% AI accuracy, and track goals live.
Access 180+ guides, calculators, and videos tailored for California coastal life — all inside West Coast Community Bank.
West Coast Community Bank offers secure APIs, OAuth2, and sandbox for developers. Integrate with YNAB, QuickBooks, or build custom tools.
Access 30,000+ CO-OP ATMs, 5,000+ shared branches, and local partners — all through West Coast Community Bank.
400+ team members across 18 branches and Santa Barbara HQ. Named Top Workplace by Pacific Coast Business Times 3 years running.
Free monthly webinars in English. Topics: “Coastal Home Buying,” “Credit Wave,” “Marine Finance.”
Santa Barbara team available 24/7. Chat, video, phone, or schedule — all in West Coast Community Bank.
West Coast Community Bank promotes paperless banking, solar branches, and kelp forest restoration. Each digital user plants a kelp in the Channel Islands.
Coastal media praises West Coast Community Bank for member focus, digital speed, and community impact. 96% satisfaction, 4.9-star app rating.
West Coast Community Bank is NCUA-insured to $250,000 per depositor. Annual audits, SOC 2, and member governance ensure your trust.
30+ honors for member service, workplace culture, and community impact.
Need help? The West Coast Community Bank team is ready 24/7. Chat, call, or submit below.
Email: [email protected]
Phone: 800-555-2628
HQ: 123 Harbor Blvd, Santa Barbara, CA 93101
7,000+ coastal businesses use West Coast Community Bank for payroll, merchant services, and growth loans up to $300,000.
West Coast Community Bank protects you — but strong habits matter. Use unique passwords, enable MFA, avoid public Wi-Fi.
Rated 4.9 stars with 120,000+ downloads. Deposit checks, pay bills, track rewards — all from your phone with West Coast Community Bank.
Since 1953, West Coast Community Bank has invested $35 million in California — education, beaches, and local businesses.
Grow your money faster with competitive rates and no fees.
From boats to homes — fast approval, local service.
Tools for coastal businesses — payroll, payments, and growth.
Tools and guidance to build lasting financial health.
Ready to catch financial freedom? West Coast Community Bank is your secure, instant California coastal banking portal.