We have a checking account that fits!*
Having your checking account at Capital Area makes sense! We offer the products you need with low fees and the service you deserve as an owner of the credit union! Look below to learn more about our checking account services or apply to open a checking account… you’ll be glad you did!
*Membership account required to open a checking.
FREE 4ME CHECKING
- For members between the ages of 18 to 25.
- Oops! Refund-twice per year you can call and get an Non-sufficient Funds (NSF) fee reversed
- Free Instant Issue Visa Debit Card (at account opening)
- No minimum balance requirements
- No monthly service fee or per-check fee
- Free remote deposit capture
- Free e-Alerts
- Free e-Wallet (Apple, Samsung & Android pay)
- Free Capital Connection (on-line banking), Capital Call (teller phone), and Mobile App
- Instant Issue Debit Cards available
- Direct Deposit/Withdrawal, Automated Clearing House (ACH), Electronic Funds Transfer (EFT) transactions available.
- Overdraft protection from available shares*
*Unless otherwise requested, every draft account is set up on automatic transfer from your share account to cover overdraft items that may be presented with non-sufficient funds in your draft account, HOWEVER, we only allow six (6) automatic transfers free per month, after the six (6) there will be a $10.00 per item excessive transfer fee assessed to the share account at the end of each month.
BASIC CHECKING
- No minimum balance requirements
- No monthly service fee or per-check fee
- Free Capital Connection (on-line banking), Capital Call (teller phone), and Mobile App
- Free remote deposit capture
- Free e-Alerts
- Free e-Wallet (Apple, Samsung & Android pay)
- Instant Issue Debit Cards available
- Direct Deposit/Withdrawal, Automated Clearing House (ACH), Electronic Funds Transfer (EFT) transactions available.
- Overdraft protection from available shares*
MIDAS
- For members over 60 years of age.
- No minimum balance requirements
- No monthly service fee or per-check fee
- Free Visa Debit Card (limit to one (1) card per member and limited to one (1) checking account, if member has multiple accounts)
- Free CAFCU logo’d checks (limit of one (1) box per every other month and limited to one (1) checking account, if member has multiple accounts)
- Half price fee for PIN changes, Cashier’s checks and Money Order’s.
- Free Capital Connection (on-line banking), Capital Call (teller phone), and Mobile App
- Free remote deposit capture
- Free e-Alerts
- Instant Issue Debit Cards available
- Direct Deposit/Withdrawal, Automated Clearing House (ACH), Electronic Funds Transfer (EFT) transactions available.
- Overdraft protection from available shares*