Attention: Some members are being targeted with text scam messages. We will never ask for your personal or account information via an email, text message, or phone call. If you are contacted by someone claiming to be from CAP COM and are unsure if the text, email, or call is legitimate, please contact our Member Services at 800-634-2340. To learn more about how to prevent identity theft, please visit our Security & Fraud page.

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Business Checking

Cost-effective account choices and award-winning service.

Choose a checking account to match your business volume and log in to manage cash flow on demand.

  • For owner-operators, small businesses, large companies
  • Earn interest and reduce or eliminate fees
  • View accounts in one place, perform transactions
  • Debit card with massive free ATM network

Start Here

View documents required for account opening.

Checking Solutions


This checking account offers special benefits for non-profit organizations.

Earn Dividends without Fees

  • No minimum balance
  • No monthly fee
  • No low-balance penalty
  • 500 free items/month

Business Ease

Reduce costs with a checking account designed for small or emerging businesses.

Low Volume Checking

  • No minimum balance
  • No monthly fees
  • Non-dividend bearing
  • 175 free items/month

Business Elite

Ideal for businesses with moderate to high balances and transaction volumes.

Earn Dividends

  • $2,500 minimum to avoid fees
  • Dividend bearing
  • 350 free items/month

Business Analyzed

Geared for businesses with high transaction volumes and large balances.

Premium Tiered Account

  • For high transaction volumes
  • Earnings credit can offset fees
  • Mobile Banking, Mobile Deposit

Business Debit Card

Purchases made by your business's authorized signers draw from your Business Checking Account.

  • Track expenses paid with the card
  • Search activity (payee, date, amount, etc)
  • Export records (Excel, Quickbooks, etc.)
  • Get discounts at local businesses
  • Massive network of free ATMs

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Cash Management

From your online dashboard, manage the cash flow in your business accounts. Monitor income and expenses, and perform transactions 24/7.

  • Secure platform centralizes accounts
  • Cash flow: monitor, collect, disburse, transfer
  • ACH payments and receivables

Explore Options

Merchant Services

Expand the payment methods you accept to boost revenue potential and increase deposit efficiencies.

  • Accept and process credit and debit cards
  • Scan and deposit checks electronically

Ready? Contact Us

Learning Center

Bank On Success

Streamline finances, reduce expenses, generate income.
Make the most of CAP COM business benefits.

Choose our Business VISA® for its low fixed rate, limits by user, and rewards to redeem for cash or purchases.

Explore Card Benefits

Tap a credit line for daily operations or a loan to finance commercial property, purchase vehicles, equipment, and more.

See Lending Solutions

Let us help your business reach its full potential, supported by services that match your needs and a team that puts you first.

Contact Us to Join