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Checking Accounts

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

So many ways you can save:

Surcharge-free CO-OP and Allpoint ATMs*
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

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.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 this type of account while enjoying the great features of our basic Consumer's Choice checking account.³

Open Account

Already a CAP COM member?

24/7 Online Banking & Mobile App

Yes

Free ATMs

Unlimited Worldwide²

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

Free Checks

Yes, certain styles

Monthly Fees

None

Dividends

Yes

Minimum to Earn Dividends

Not Applicable

Member’s Advantage: $500 balance requirement for dividends³

Overdraft Options

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

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

Money Management

Use Money Management to create budgets, track spending, and achieve your savings goals. It’s easy to use, fun, and free!

Free Budgeting Tool

How to Pay People

When you want to transfer money to a friend, family, or someone else, click or tap to send the cash.

See How to Do It

Bank Well, Live Well

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

Select styles.
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.
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.
*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^®.