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Experience membership designed especially for people ages 15-25
Enjoy these benefits:
When you turn 15 years old, you are eligible to have your first checking account. Set up direct deposit with your summer job, use a debit card, keep track of your finances.
Your checking account comes with a debit card, which you can use to make purchases at the movie theater, mall, stores, gas station. Use an ATM without fees anywhere in the world.
Our Certified College Funding Specialists can help you locate funding resources and build a financing plan.
When you turn 18, you are eligible to apply for a credit card. It's an milestone financial moment that you'll want to take with a trusted partner.
Create savings accounts to put away money for specific goals. You can name them whatever you wish, such as College Savings, Spring Break, Summer Job.
Sometimes savings isn't enough, and you'll need a loan to buy a car, go to school, or make another large purchase. You want a smooth process and low rates.
Bank anywhere, anytime with the CAP COM mobile app. Use your computer or tablet to access digital banking. Your device is your personal branch.
Through our College Bound program, CAP COM staff and members are dedicated to helping students and parents find the right college and build a smart financing plan. Meet with one of our Certified College Funding Specialists to discuss a personal plan for how to pay for one of life's most important -- and sometimes expensive -- milestones.
Each spring, we grant nearly 40 scholarships and awards, valued at more than $80,000, to young adults and educators.
KEY 2021 DATES
I Was CAP COM's Priority
“(College Specialist) Kim Donah was very patient with me and walked me through how the loan could affect my future income. She even gave me advice on my resume and skills that impress Human resource departments!”
- Kathryn, Clifton Park
Bank Well, Live Well
Simplify your finances and enhance your life. Make the most of every CAP COM benefit.
Insufficient funds? Not any more! Explore three ways to protect your account, so you can avoid hassles and unnecessary fees from merchants.
Did you misplace your CAP COM Debit or Credit Card? Turn it off, then turn it back on when you find it.
LoanXpress makes it easy to get the money you need without going through the usual application process.
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.
Must be 15-25 years old for a Young Adult Checking Account. An adult joint account holder is required for checking accounts in the name of members ages 15-17.