Checking Accounts

Why pay to spend your own money? It’s time to lose the fees.

Man smiling

So many ways you can save:

  • Surcharge-free CO-OP and Allpoint ATMs1
  • No monthly fees, no minimum balance
  • Free mobile deposit and digital budgeting tools
  • Visa® debit card with money-saving benefits
  • Free checks2

Free: Personalized Financial Review
Meet with us for a Fresh Look at your financial situation. Together, we’ll explore your money goals and hunt for dollars to add to your budget.

Choose Your Checking Account

Young Adult

Consumer's Choice

Member's Advantage

Young Adult

Just Getting Started

Are you age 14-25? Get comfortable managing your money with our mobile app, your own Visa® debit card, checks, and free ATMs worldwide – on us.3

Consumer's Choice

Day-to-Day Spending

Easily manage your account online or with our mobile app. Pay with your Visa® debit card or withdraw cash at free ATMs across the U.S.1 Plus, your checks are free!2

Member's Advantage

Earn Dividends

Earn dividends on your balance with this type of account while enjoying the great features of our basic Consumer's Choice checking account.4

Open Account

Already a CAP COM member?

Log in → Additional Services → Add an Account

24/7 Online Banking & Mobile App

24/7 Online Banking & Mobile App for Young Adult


24/7 Online Banking & Mobile App for Consumer's Choice


24/7 Online Banking & Mobile App for Member's Advantage


Free ATMs

Free ATMs for Young Adult

Unlimited Worldwide3

Free ATMs for Consumer's Choice

Surcharge-free withdrawals at branch ATMs and at CO-OP, Allpoint, and other qualified network ATMs.1

Free ATMs for Member's Advantage

Surcharge-free withdrawals at branch ATMs and at CO-OP, Allpoint, and other qualified network ATMs.1


Free Checks

Free Checks for Young Adult

Yes, certain styles

Free Checks for Consumer's Choice

Yes, certain styles

Free Checks for Member's Advantage

Yes, certain styles

Monthly Fees

Monthly Fees for Young Adult


Monthly Fees for Consumer's Choice


Monthly Fees for Member's Advantage



Dividends for Young Adult


Dividends for Consumer's Choice


Dividends for Member's Advantage


Minimum to Earn Dividends

Minimum to Earn Dividends for Young Adult

Not Applicable

Minimum to Earn Dividends for Consumer's Choice

Not Applicable

Minimum to Earn Dividends for Member's Advantage

Member’s Advantage: $500 average daily balance requirement for dividends4

Overdraft Options

Overdraft Options for Young Adult


Overdraft Options for Consumer's Choice


Overdraft Options for Member's Advantage


Overdraft Protection

Insufficient funds? Not any more! Explore three ways to protect your account, so you can avoid hassles and unnecessary fees from merchants.

  • Automatic Transfer
  • Checking Line of Credit
  • Courtesy Pay

Explore Options

Family standing outside their house and smiling together
mobile phone over a card reader

Your Digital Wallet

Sail through the checkout! Add your CAP COM debit and credit cards to your mobile phone’s Apple Pay, Google Pay, or Samsung Pay.

Get Started

Want to Simplify? Make Your Move.

Streamline your finances! We're making it easy to move your direct deposits and automate your bill payments. In just a few clicks, submit requests from your secure dashboard to:

  • Switch your accounts elsewhere to CAP COM

  • Move your direct deposits (payroll, Social Security)

  • Set up automatic payments for your bills

See How

Bank Well, Live Well

Simplify your finances and enhance your life. Make the most of every CAP COM benefit.

A massive network of surcharge-free ATMs¹, retailer discounts, and on-off switch are just a few of the many Visa® debit card benefits.

Explore Debit Card Benefits

You’ll love our low, fixed-rate Visa® credit card with no annual or balance transfer fees, retailer discounts, 24/7 fraud protection, and more!

Get Details

Load your CAP COM debit card into your mobile device and shop with Apple Pay, Google Pay, or Samsung Pay.

See How

  1. Members are not required to pay a fee at Allpoint and CO-OP ATMs. If a charge screen appears during your Allpoint ATM transaction, enter “yes” to accept the charge and proceed with your withdrawal. The additional fee will not be deducted from your account. The savings can be $3 or more per transaction. Please note, at international Allpoint and CO-OP ATMs, you will still be responsible for any Foreign Currency transaction fees charged by Mastercard® or Visa®

  2. Select styles.

  3. CAP COM will reimburse members with Young Adult Checking for ATM surcharges up to $5 and International Service Assessments incurred when using their CAP COM Debit Card within 24 hours of the transaction. Members ages 14-17 must have a parent/guardian as a joint owner.

  4. Rate is variable and may change after account is opened. Member must maintain a $500 average daily balance to earn dividends on a Member’s Advantage checking account. There is no penalty if balance falls below minimum to earn dividends.