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
Save time, no lines. Schedule an appointment at your favorite branch.
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
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
Yes
Yes
Yes
Free ATMs
Unlimited Worldwide2
Free withdrawals at CAP COM ATMs
10/month within CO-OP and other qualified networks
Free withdrawals at CAP COM ATMs
10/month within CO-OP and other qualified networks
Free Checks
Yes, certain styles
Yes, certain styles
Yes, certain styles
Monthly Fees
None
None
None
Dividends
Minimum to Earn Dividends
Not Applicable
Not Applicable
Member’s Advantage: $500 balance requirement for dividends3
Investor’s Advantage: $1,000 balance requirement for dividends3
Overdraft Options
Yes
Yes
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:
- Switch your accounts elsewhere to CAP COM
- Move your direct deposits (payroll, Social Security)
- 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.