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Checking Accounts

Choose from a variety of accounts to find the one that fits your needs.


All accounts include flexible minimum balances, overdraft options and easy Direct Deposit options. You’ll enjoy fewer or no fees, free checks for life (select styles) and a large network of free and reduced-fee ATMs. Free Web and mobile banking and free Bill Pay make it easier for you to manage your money and track spending. Open your account online or in one of our convenient branches. Become a CAP COM Premier member and enjoy free ATMs worldwide.


Basic Checking

Our Consumer’s Choice Checking Account is the account you’ll use every day.

Basic Checking

With no minimum balance requirement and no monthly fees, this is our most comprehensive Checking Account. Receive new or replacement debit cards instantly so you can start using your account right away. Access your money whenever you need it with free online and mobile banking as well as a large network of free and low-fee ATMs. Take advantage of Card Controls to monitor your Debit Card activity, set purchase restrictions, temporarily turn your card off, and more!


Members’ & Investors’ Advantage

Dividend Checking

Members' & Investors' Advantage

These accounts pay dividends depending on your average monthly balance. Just maintain a $500 monthly balance in your Members’ Advantage and a monthly balance of $1,000 in your Investors’ Advantage to earn dividends. These Checking Accounts* act like a savings account and give you more benefits for keeping a minimum balance.

*Investors' Advantage Money Market required to open

Young Adult Checking Account

With unlimited free ATM Access

Young Adult Checking

Available for young members age 15-25, this first Checking Account helps young adults learn how to manage money. Use your VISA® Debit Card free anywhere in the world. Mobile and online banking platforms offer easy account access no matter where you travel. Receive a debit card instantly when you open an account in a branch.



Overdraft Protection

We’ve got you covered, no matter what life throws at you.

Overdraft Protection

You’re busy with life and you can’t always keep track of your Checking Account balance. With several options to choose from, CAP COM can protect your account, your money and your reputation! Eligible members with a Checking Account are covered under our basic Courtesy Pay* overdraft protection.