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Choice Checking

Earn up to $500 a year!*

Rake in a bounty of up to $500 a year!2 La Cap’s Choice Checking gives you the opportunity to grow your money even while you make purchases and payments.2 Just make 15 qualified debit card transactions during the month, and your dividend will be added to your account balance.2 With dividends of up to 5.25% APY on balances up to $10,000, you could earn up to $500 a year!2 Add earning power and convenience to your wallet by opening an account today!

  • Earn up to 5.25% APY on up to $10,0002
  • No-cost option available3
  • Get your paycheck up to two days early4
  • ATM fee refunds3
  • Free 24/7 access with online banking, mobile app, bill pay, and more
  • Add BaZing for perks like cell phone protection, roadside assistance, ID theft aid, and more for just $4.99 a month5

Open Choice Checking Open Choice Checking with BaZing 

24-hour Grace Period

To help avoid overdraft fees, we give you until 12:45 p.m. the next business day to make a deposit or transfer to cover transaction costs. 

Get Paycheck Early

We post electronic credits like ACH and direct deposits the day we receive them. That means you could get your paycheck up to two days early.4

No-cost Option Available

Meet a few simple requirements to save money, get your monthly checking account service fees waived and make use of our no-cost option.3

24/7 Access Services

Manage your money on your schedule. You receive free 24/7 access to your checking account with online banking, mobile app, bill pay, and more.

ATM Fee Refunds

Go paperless and save money! Enroll in eStatements and you'll be eligible for a refund of ATM fees up to $25 per month.2

Fee Waived

Fees are waived for items presented for payment that are $10 or less when your account’s available balance isn’t enough to cover the item.

“I love the checking account. Return ATM fees and rate makes me very happy. Online banking is so easy. Credit union employees have always been helpful. I plan to finance my next car with La Capitol.“

- Member


1 The following applies to all La Cap Checking accounts: Membership is required a Regular Savings Account with a $5.00 par balance. Checking account approval is based on the evaluation of creditworthiness. A fee of $8.00 monthly service charge for a low balance will be assessed if average daily balance requirements are not met. The $8.00 monthly service charge for a low balance is waived for members under 24 years old and have a Simple Checking account. A $2.00 monthly service charge will be assessed if paper statements are provided. The $2.00 monthly service charge for paper statements is waived for members who are under 17 years old or over 60 years old or any account enrolled to receive electronic statements (eStatements). Unless otherwise stated overdraft programs are available for additional fees please see the fee schedule for specific services and fees. Some restrictions apply. Please contact a La Cap representative for additional details.

2,* La Cap Choice Checking is subject to approval. APY = Annual Percentage Yield and reflects  Membership is required and subject to approval. Membership requires $5.00 par balance in a primary savings account. The minimum opening deposit required is $50.00. Rates are accurate as of Effective Date: 6/1/23 and subject to change without notice after account is opened. The Choice Checking is a tiered rate account Tier 1) Balances up to $10,000 earn an APY up to 5.25%; Tier 2) Balances $10,000.01 or greater earn an APY of 0.62%. To qualify for the stated high yields you must have fifteen (15) debit card transactions, excluding ATM transactions, posted to your account before the end of the statement period. If the required debit card transactions do not post to your account before the end of the statement period, your entire account balance will earn .10% APY. A monthly low balance fee of $8.00 will be charged to the account when 1) the average daily balance falls below $1,000.00 anytime during the statement period; OR 2) 15 debit card transactions, excluding ATM transactions, do not post to the account by the end of the statement period. A monthly paper statement fee of $2.00 will be charged to the account unless 1) the account is enrolled to receive statements electronically, OR 2) the member is under 24 years of age. When you agree and consent to receive your statements electronically, you are eligible for a refund of ATM fees up to $25.00 charged for using an ATM not owned by La Capitol FCU. Dividends are calculated on a daily balance method, compounded, and credited monthly. The stated APYs are calculated using compounding dividends and are not guaranteed withdrawals will decrease the APY earned. La Cap reserves the right to limit the number of Choice Checking accounts per membership, joint or individually. Federally insured by NCUA. “Earn up to $500” dividend estimate is based on the potential amount of dividends that could be earned over 365 days on a Choice Checking account with daily account balance of $10,000 at an APY of 5.25%. This is not a guaranteed amount. Actual dividends earned will be based on the individual member’s account balance, eligibility, and qualifications.

3 No cost option is available when your average daily balance does not fall below $1,000.00 during the statement period; OR you have 15 debit card transactions that are not ATM transactions, complete and post to your account by the end of the statement period and you affirmatively consent to receive your statements electronically. Each month these are not met your checking account will be charged an $8.00 low balance fee and a $2.00 checking paper statement fee. Low balance fee and monthly service fee waived for accounts owned by members age 24 and under. When an account holder reaches age 25, monthly service fee and low balance fee become applicable.

4 You may receive access to your ACH credits up to 2 days early. We post ACH credits the day we receive them and when we receive them depends on the timing of the payer’s payment instructions. Federal holidays may delay availability.

5 BaZing is available with Choice Checking and Simple Checking accounts. The fee is $4.99 per month. Cell phone and personal identity protection are services provided by a third party and are subject to additional terms and conditions. Separate activation for these benefits is required. To activate identity monitoring, please go to, log in, select Protection under Categories, and follow the easy sign-up steps.

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