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Checking Perks That Are Perfect for Millennials

If you're a millennial, there's a La Capitol checking account loaded with amazing perks that works perfectly for you. With four account options to choose from, you can make your personal finances work for your lifestyle and your life choices work for your bottom line.

1. Monthly Service Fees 

Checking account maintenance fees can be as high as $15 a month at some banks. At La Capitol, it’s only $2, but you can do even better than that. As long as you’re under the age of 25, you can have a Simple1 or Simple Plus1 checking account with no monthly service fee at all. If you’re 25 or older, simply enroll in La Capitol’s online banking and e-statements, and we’ll waive the $2 fee for you too.

2. Low-Balance Fees

When you’re just starting out or dealing with life’s challenges—like car repairs, down payments or moving expenses—your checking account balance can fluctuate drastically from day to day. In fact, reaching a financial institution’s minimum balance may take a while, and maintaining a minimum daily average may seem impossible. So, while La Cap asks that you maintain a $1,000 minimum balance, every one of our checking accounts offers a waiver for low-balance fees—a way to avoid them altogether:

    • For Simple1 and Simple Plus1 as long as you’re under 25, you’ll never see one. If you’re 25 or older, you can still avoid low-balance fees. Just use your debit card at least 10 times a month or have direct deposits that total at least $500 a month.
    • For Choice2 just use your debit card at least 20 times a month.
    • For Choice Plus2 just use your debit card at least 15 times a month.

Granted, while ATM transactions won’t count, those swipes for lattes, food, makeup or a kayak rental will — and so will gas, a haircut or online purchases!

3. Nationwide Discounts

Take advantage of special deals that we have negotiated with national retailers, restaurants and entertainment venues to save you even more. Earn back a percentage on that slick new business suit, or get the best deal ever on a trip to New Orleans for beignets. When you opt for the Plus checking accounts—Simple Plus1 or Choice Plus2—your debit card can extend your buying power without sacrificing your lifestyle. Feature provided by Bazing.5

4. Roadside Assistance 24/7

Imagine no worries when your dog locks you out of your car, you run out of gas, your battery dies or you get a flat. Your Simple Plus1 or Choice Plus2 debit card can even get you a tow up to $80. Feature provided by Bazing.5

5. Health Savings Card

Now responsible for your own healthcare, a Simple Plus1 or Choice Plus2 account can help with many of the items that starter health insurance—or your parent’s policy—either doesn’t cover or doesn’t cover well. You can use your debit card for discounts on eye exams, eyeglass frames and lenses, hearing services and even prescriptions. Feature provided by Bazing.5

6. Refunds for ATM Fees

Sometimes, you have no choice but to use an out-of-network ATM even though you know it will cost you in foreign ATM fees.3 With La Capitol, you can get that money back if you have a Choice2 or Choice Plus2 checking account. Sign up for estatements and online banking, and you can recoup up to $25 a month in foreign ATM fees.3

7. ID Theft Aid

Credit card fraud is the number one source of identity theft, making up more than half of all identity theft cases reported to the FTC. Meanwhile, according to the Identity Theft Resource Center, resolving a theft of identity costs victims money and often time from work. With La Cap’s Simple Plus1 or Choice Plus2 accounts, you don’t have to worry. We will resolve any associated card fraud and provide up to $10,000 in personal identity theft benefits and identity monitoring. Feature provided by Bazing.5A

8. Dividends on Account Balances

Yes, La Capitol will actually pay you to have a Choice2 or Choice Plus2 checking account with us! Imagine direct depositing your paycheck knowing that you can earn 4.25 percent APY4 on balances up to $3,000 and 2 percent APY after that up to $10,000—rates that outstrip most savings accounts.4

Do you need a checking account that will let you take care of business without nickel and diming you with fees? Have you been looking for a perks-driven option that gives you choices and rewards you for making the right ones? La Capitol Federal Credit Union offers Simple,1 Simple Plus,1 Choice2 and Choice Plus2. Pick your perks, and explore your options. If you’re just getting your feet wet in the financial world or are on track to building wealth, La Capitol has perks that were created just for you.


1 La Cap Simple and Simple Plus (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 one of the following conditions is met during that same month: - 10 or more posted non-ATM debit card transactions - Direct deposits of $500 or more (total) are made to the account. Low balance fee waived for account owned by members age 24 and under. 

2 La Cap Choice and Choice Plus (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: - (Choice) 20 or more posted non-ATM debit card transactions per month; - (Choice Plus) 15 or more posted non-ATM debit card transactions per month.

3 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 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.

4 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) / - 15 (Choice Plus) 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.

5 BaZing fee: $4.99 per month.

5A Cell phone protection and personal identity protection are subject to additional terms and conditions.

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