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Choice Checking

A rate you'll value. 

  • Above marketing dividends on balances up to $10,0001
  • ATM fee refunds2
  • Elite Saver account available3
  • Anywhere banking tools: Online banking, mobile banking, bill pay, debit card, and eStatements
  • Opening deposit: $50.
  • Minimum balance: $1,000.4
  • $8.00 low balance fee.4
  • $2.00 monthly service fee.5
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APY = Annual Percentage Yield. La Cap Checking (Share draft) Accounts are variable rate accounts. La Cap may change the dividend rate for your account as determined by the credit union Board of Directors. Dividends are posted and compounded monthly. Minimum balance $1,000.00. Applicable fees and conditions could reduce the earnings on your account. Qualification to earn dividends: - 20 (Choice) or more posted non-ATM debit card transactions per month: - 4.25% APY on balances up to but not exceeding $3,000 - 2.00% APY on balances over $3,000 and up to but not exceeding $10,000 - 0.10% APY on balances exceeding $10,000. If qualification stated is not met: - 0.10% APY on entire balance. Must meet criteria for opening a checking account.
Foreign ATM fees are charged when accessing a La Cap account through another financial institution's ATM. By signing up for eStatements on your Choice Plus checking account, you can receive surcharge refunds of up to $25.00 per month on Foreign ATM fees. La Cap reserves the right to discontinue this feature at a future date.
3 The Elite Saver account is a savings account that pays a higher interest rate than a regular share account.  This account is available to members with Choice, Choice Plus, and Liquid Assets checking accounts.  You are not required to open an Elite Saver account if you have a one of these accounts.  You must maintain a minimum daily balance of $5,000 in your Elite Saver account.  If during any month your balance falls below the required minimum daily balance, your Elite Saver account will be subject to a low balance fee of $5.00.
4 La Cap Choice (Share Draft) accounts have a minimum balance requirement of $1,000.00 and a low balance fee of $8.00. If average daily balance drops below $1,000.00, a low balance fee of $8.00 will be assessed. Low balance fee will be waived if the following condition is met during that same month: - 20 or more posted non-ATM debit card transactions per month.
5 Any checking account enrolled in eStatements will receive a monthly service charge waiver of $2.00 per month while enrolled in eStatements. To sign up for eStatements, you must first be enrolled in Online Banking.