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Our branches will be closed on Thursday, November 26, for Thanksgiving Click here to learn more.

As we monitor health conditions in the Capital Region and adhere to official guidance, CAP COM may experience staff shortages. We appreciate your patience if you encounter longer wait times, or if your branch has shifted to drive-thru or appointment-only services. Please check back for the most up-to-date information.

Digital Banking Resources

Want to skip a trip to the branch? You can bank from the comfort of home or on the go 24/7. Below are some easy-to-use services right at your fingertips. Remember, you can always call (800) 634-2340 for answers to your financial questions or help using our digital banking resources.

Here are a few highlighted services that can meet your immediate needs - right at your fingertips:


Digital Banking

Think of your online device as your personal branch, enabling you to securely access your account whenever it’s convenient. Log in to your online account or launch CAP COM’s mobile app to monitor account activity, perform transactions, pay bills, and a whole lot more. To reduce paper and keep your account records in one place, log in and choose eStatements. And, take advantage of our free Money Management tool to create budgets and master your finances.



Mobile App

Bank anywhere, anytime with our CAP COM mobile app. View account balances, deposit a check (or stop a check payment) and transfer money between accounts. Our app can be used on Apple and Android phones, and is available with any Checking Account. We’re here for you whenever and wherever you need us!


Your Digital Wallet

With a wave of your mobile phone at the checkout, your purchase is complete where Apple Pay, Google Pay or Samsung Pay are accepted. Each payment is securely transmitted with a unique, encrypted number (not your actual card number). You can load your CAP COM Debit and Credit Cards into your “digital wallet” along with store cards and gift cards. Keep your coupons, tickets, loyalty cards, etc. in one place and display them for scanning.



Mobile Deposit

Now even faster and free* for eligible members! Mobile Deposit lets you deposit checks securely from anywhere, and access your money as quickly as making a deposit at a branch. Choose the "Deposit Checks" option in our mobile banking app. See "Using Mobile Deposit" below for instructions. The first $200 of your deposit is available the same business day (three business days for up to $5,000; five business days for higher amounts). Deposit limits, displayed within the app, are assigned based on account status. For a review of your limit, call us. 

*Data rates may apply.




Simplify your finances, so you have more time to enjoy life! In minutes, you can set up automatic payments from your CAP COM account to pay your recurring bills. Instead of contacting each company separately, submit requests from your secure dashboard and ClickSWITCH does the rest. To get started, log into your online account and under Additional Services, select ClickSWITCH.



Digital Payments

Save time and effort by paying people or businesses securely through your online account or with the digital wallet on your mobile device. You can make purchases at stores or at online retailers, pay bills, or transfer money to others. Use the links below to explore your payment options.


Phone Keypad Banking

Our automated phone banking system enables you to securely perform transactions 24/7. Of course during business hours, our Member Services Representatives are available to assist you, too. You can even bank by text message. Click the Bank by Text button below for instructions and see the FAQs.



Bill Pay

CAP COM offers a free bill paying service that's built into your Checking Account. You can set up payees for utilities, companies, or even family members. Create email notifications to remind you of e-bill arrivals, due dates, and upcoming payments. You can even run payment reports and create customized records. To get started, log in to your online or mobile account and select “Bill Pay."