Checking Accounts

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

So many ways you can save:

  • Free ATMs at 30,000 locations
  • No monthly fees, no minimum balance
  • Free mobile deposit and digital budgeting tools
  • Visa® debit card with money-saving benefits
  • Free checks1

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 and Investor’s Advantage

Young Adult

Just Getting Started

Are you age 15-25? Get comfortable managing your money with our mobile app, your own VISA debit card, checks, and free ATMs worldwide – on us.2

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. Plus, your checks are free!1

Member's Advantage and Investor’s Advantage

Earn Dividends

Earn dividends on your balance with either of these accounts while enjoying the great features of our basic Consumer's Choice checking account.3

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

Yes

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

Yes

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

Yes

Free ATMs

Free ATMs for Young Adult

Unlimited Worldwide2

Free ATMs for Consumer's Choice

Free withdrawals at CAP COM ATMs
10/month within CO-OP and other qualified networks

Free ATMs for Member's Advantage and Investor’s Advantage

Free withdrawals at CAP COM ATMs
10/month within CO-OP and other qualified networks

 

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 and Investor’s Advantage

Yes, certain styles

Monthly Fees

Monthly Fees for Young Adult

None

Monthly Fees for Consumer's Choice

None

Monthly Fees for Member's Advantage and Investor’s Advantage

None

Dividends

Dividends for Young Adult

No

Dividends for Consumer's Choice

No

Dividends for Member's Advantage and Investor’s Advantage

Yes

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 and Investor’s Advantage

Member’s Advantage: $500 balance requirement for dividends3

Investor’s Advantage: $1,000 balance requirement for dividends3

Overdraft Options

Overdraft Options for Young Adult

Yes

Overdraft Options for Consumer's Choice

Yes

Overdraft Options for Member's Advantage and Investor’s Advantage

Yes

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

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


Learning Center

Bank Well, Live Well

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

Debit Card

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

Explore Debit Card Benefits

Credit Cards

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

CAP COM Premier

Free ATMs worldwide? See how you can qualify for this valuable benefit of our CAP COM Premier program.

Get Started

  1. Select styles.

  2. 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 15-17 must have a parent/guardian as a joint owner.

  3. Member must maintain a $500 average daily balance to earn dividends on a Member’s Advantage checking account or a $1,000 average daily balance to earn dividends on a Investor’s Advantage checking account. There is no penalty if balance falls below minimum to earn dividends.