 Coastal One Credit Union, free checking the smarter way. Everybody talks about free checking, but we're here to tell you that Coastal One Credit Union's free checking product is the real deal. No minimum balance, no monthly service charge, free ATMs, free debit card or fraud alerts, and you can open it online. Simply put, free checking from Coastal One is the smarter choice. Stop by any branch location. I will call them. They're happy to help. 19 branches now. John, go see Shantita. She's the manager. Good morning, Shantita.