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Debit Cards: On-the-go Access

Get the most of your checking account with a chip-enabled debit card.

Open a CAP COM checking account and enjoy access, benefits, and rewards that help you manage your money.

  • Access cash at nearly 30,000 free CO-OP ATMs throughout the U.S.
  • Use it for purchases at merchants that accept Visa®
  • CAP COM Premier members can use ATMs worldwide, without annoying fees1
  • Young Adult Checking members always free, unlimited ATM access worldwide.2
  • Add your debit card to your digital wallet for even more security

Open Account

Instant Card Replacement

Need a new card? Damaged or lost? Walk into a branch and you'll walk out with a new, authorized debit card. Easy and quick.

Important Phone Numbers

Purchase Rewards

Save by shopping online and in stores; Personalize your savings by choosing offers; Get funds in your account for each discount

Go to Online Banking

Controls & Security

Protect yourself against fraud; Turn off your card temporarily; Set limits on spending; Monitor purchases with real-time alerts

Card Control Details


VISA Debit Card Benefits

This benefit provides coverage for the damage or theft of your cell phone. You must have purchased your cellular wireless telephone/plan with your CAP COM debit card on or after March 27, 2017, and you pay your cellular wireless telephone bill with a CAP COM debit card. Refer to the program guide for a list of excluded items. Call the Benefit Administrator at 1-866-894-8569 or outside the U.S. collect at 1-303-967-1096 within 60 days of the damage/theft of the cell phone.

This protection will reimburse you for the cost of an eligible item if it was purchased with your debit card, you are dissatisfied with the item, and the retailer will not accept the return. To be eligible for this coverage, the covered item must have been purchased on or after March 27, 2017 using a CAP COM debit card. Refer to the program guide for a list of excluded items. Call the Benefit Administrator at 1-888-565-8472 or outside the U.S. collect at 1-303-967-1096 within 90 days of the purchase.

Within the first ninety (90) days of a covered personal (non-business) purchase, this protection shall replace, repair or reimburse you for the cost of the item purchased if it is inoperable or in the event of theft or damage. To be eligible for this coverage, the item must be purchased using a CAP COM debit card. Refer to the program guide for a list of excluded items.
Call the Benefit Administrator at 1-800-848-1943 or outside the U.S. collect at 1-303-967-1096 within 60 days of damage or theft of the item.

This protection extends the manufacturer’s warranty for up to 1 year on warranties of three years or less. To be eligible for this coverage, the covered item must have been purchased on or after March 27, 2017, using a CAP COM debit card. Refer to the program guide for a list of excluded items. Call the Benefit Administrator at 1-800-848-1943 or outside the U.S. collect at 1-303-967-1096 within 60 days of determination that the covered item is in need of repair or replacement.

Bank Well, Live Well

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

Overdraft Options

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

Explore Options

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

Online Bill Pay

Pay bills or people quickly and securely with our online Bill Pay service.

Learn More

  1. ATM surcharges up to $5 and International Service Assessments incurred when using your CAP COM Debit Card will be reimbursed for CAP COM Premier Members within 24 hours of the transaction. The CAP COM Premier Program is a non-contractual courtesy and CAP COM retains the right to remove a participant from the program without prior notice. In addition, CAP COM retains the right to discontinue this program, without notice, at any time. Eligibility requirements must be maintained under a single account number in order to qualify. Your participation in the CAP COM Premier program will be assessed on a routine and ongoing basis to ensure your continued eligibility. If it is determined that you no longer meet the above requirements or your account does not remain in good standing, you will be notified as to the reason why and be provided with a period of time to meet program requirements. If you are unable to meet the program requirements within this time frame, you will be subject to all standard ATM fees until a reassessment of your account indicates that you once again meet the program parameters.

  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.