How to Order Checks
Simple, safe and secure. You can order a supply of checks online securely, so they’re delivered before you run out.
Learn More
Users are no longer able to use Internet Explorer to open a CAP COM account, apply for a loan, or check a loan status. For a full list of browsers supported by CAP COM and its platforms, please see our list of supported browsers.
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
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
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
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
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
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
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.
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:
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Switch your accounts elsewhere to CAP COM
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Move your direct deposits (payroll, Social Security)
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Set up automatic payments for your bills
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.
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!
CAP COM Premier
Free ATMs worldwide? See how you can qualify for this valuable benefit of our CAP COM Premier program.
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Select styles.
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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.
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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.
