Young Adult Services

Experience membership designed especially for people ages 14-25

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Enjoy these benefits:

  • Use your Visa® Debit Card FREE at any ATM in the world1
  • Access your account2 online or with our mobile app 
  • Transfer money and deposit checks with digital tools 
  • Receive a debit card instantly when you open an account in a branch 
  • Find CO-OP shared branches and convenient ATMs near you wherever you go in the U.S. 

Open Account

Banking Made for Your Life's Journey

When you turn 14 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

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

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

Free Appointment for Members

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

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

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

Security and Fraud Prevention

You can take some simple steps to safeguard your money. Criminals will do anything to steal your data, identity, and money. 

  • Understand how CAP COM protects your account 

  • Get tips to avoid being a scammer's next victim 

  • Find out what to do if you've been scammed 

Protect Your Finances

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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

Member Alex kayaking in the summer.

CAP COM's mobile app is my branch.

Member Alex kayaking in the summer.

"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

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.

Explore Options

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 14-17 must have a parent/guardian as a joint owner.

  2. Must be 14-25 years old for a Young Adult Checking Account. An adult joint account holder is required for checking accounts in the name of members ages 14-17.