Young Adult Services

Experience membership designed especially for people ages 15-25

Enjoy these benefits:

  • Use your Visa® Debit Card FREE at any ATM in the world1
  • Access your account2 online or with our app
  • Easily transfer money among family and friends
  • Deposit checks with your phone
  • Receive a debit card instantly when you open an account in a branch
  • Find CO-OP shared branches and ATMs near you wherever you go in the U.S.

Open Account

Banking Made for Your Life's Journey

Opening a Checking Account

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.

Young Adult Checking

Using a Debit Card

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.

Get Started

Paying for College

Our Certified College Funding Specialists can help you locate funding resources and build a financing plan.

Free Appointment for Members

Building Your Credit

When you turn 18, you are eligible to apply for a credit card. It's a milestone financial moment that you'll want to take with a trusted partner.

Learn About Credit Cards

Mastering Your Savings

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.

Customize Your Savings

Taking Out a Loan

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.

View Loan Rates

“I wanted a low-rate card, not the 22% interest rate I saw elsewhere.”

Kathryn Moore talks about the eye-opening experience of using her first credit card and how to start building credit as a young adult. Listen to the interview.

Mobile Banking

Bank anywhere, anytime with the CAP COM mobile app. Your device is your personal branch.

  • Securely access your account where it's convenient

  • Pay bills

  • Transfer money

  • Pay other people

  • Make deposits

  • Load your CAP COM debit and credit cards into your "digital wallet"

Start with the App

Help Saving for College

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.

Learn About College Bound

Youth Savings Challenge

Saving is a lifelong endeavor, so make 2021 a special year for your young saver.

  • Winners of $100, $50, and $25 gift cards are drawn every two months in 2021.

  • Two grand prizes of $500 will be awarded – one each in July 2021 and January 2022.


Learn How You Can Enter

CAP COM's mobile app is my branch.

"I’m from Saratoga, and I live in the Washington, D.C., area now. CAP COM's mobile app is my branch. And whenever I need help, a friendly professional is a phone call away."

- Alex W., remote member

Learning Center

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

Card Controls

Did you misplace your CAP COM Debit or Credit Card? Turn it off, then turn it back on when you find it.

Check It Out


LoanXpress makes it easy to get the money you need without going through the usual application process.

See How

  1. 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.

  2. 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.