Welcome to Checking That Changes Everything

   

 

The best bank isn’t a bank at all. With a checking account from La Capitol Federal Credit Union, you get access to the best combination of rates, services and perks. Whether you’re looking to earn dividends or avoid monthly fees, our checking accounts are designed to make your money work harder for you.

Ready to change everything? Start by choosing a checking account.

 

For more detailed information, select a specific account.

To reorder checks, visit ordermychecks.com 

Account Name BaZing Benefits Free eStatements Free Online Banking Unlimited Check Writing ATM Fee Refunds Elite Saver Account Above Market Dividends
Choice Plus
Simple Plus      
Choice  
Simple        
Liquid Assets    
All accounts are subject to charges listed on our fee schedule.

Any checking account enrolled in eStatements will receive a monthly service charge waiver of $2 per month while enrolled in eStatements. To sign up for eStatements, you must first be enrolled in Online Banking.
Visit our BaZing page to learn about the great benefits and discounts available for our Choice Plus and Simple Plus accounts.

 

Choice Plus

Our Most Popular Account

Choice Plus is the perfect personal checking account for households who use their debit card often. You’ll earn dividends at a whopping 4.25% Annual Percentage Yield (APY) on the first $3,000 of your balance and above market dividends on the entire first $10,000 of your balance.1 You’ll get ATM fee refunds of up to $25 per month while enrolled in eStatements2 and, each Choice Plus account is powered by BaZing, which features cell phone and identity theft protection, 24/7 roadside assistance, a health savings card, plus discounts at select merchant nationwide for just $4.99 per month. See our comparison chart for more details.

Choice Plus1
Up to $3,000 4.25% APY
$3,000 - $10,000 2% APY
Over $10,000 0.10% APY
If point-of-sale account requirement not met, 0.10% APY on entire balance.

1 La Cap 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: - 15 or more posted non-ATM debit card transactions per month.

2 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.

 

Open a Choice Plus Account Learn About BaZing

Simple Plus

Simply Solid Checking

If you don’t make 10 or more debit card transactions a month, opt for Simple Plus, which offers a low opening balance, unlimited check writing and available overdraft protection. Simple Plus checking accounts also are powered by BaZing, which features cell phone and identity theft protection, roadside assistance, a health savings card, plus discounts at select merchant nationwide for just $4.99 per month. Plus, if you’re under 25, our low-balance and monthly service fees are waived. See our comparison chart for more details.

La Cap 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.

Open a Simple Plus Account Learn About BaZing

Choice

Dividends, Minus the Frills

If you prefer using your debit card to make payments, you might as well earn dividends in the process. Choice checking earns dividends at a whopping 4.25% Annual Percentage Yield (APY) on the first $3,000 of your balance and above market dividends on the entire first $10,000 of your balance.1 It also comes with all the online services you’d expect, including ATM fee refunds of up to $25 per month while enrolled in eStatements.2 See our comparison chart  for more details.

Choice1
Up to $3,000 4.25% APY
$3,000 - $10,000 2% APY
Over $10,000 0.10% APY
If point-of-sale account requirement not met, 0.10% APY on entire balance.

1 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.

2 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.

Open a Choice Account

Simple

Pure Primary Checking

Our Simple account is just that, offering a low opening balance, unlimited check writing and overdraft protection. All you need to avoid the low-balance fee is have an average daily balance of $1,000 or more OR make 10 monthly point-of-sale (POS) transactions OR have direct deposits of $500 or more.4 Plus, if you’re under 25, our low-balance and monthly service fees are waived. See our comparison chart for more details.

4 La Cap Simple (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.

Open a Simple Account

Liquid Assets

Bonuses for Bigger Balances

If you maintain a balance of $2,500 or more, open a Liquid Assets account to earn dividends on the full dollar amount every single day.

  • $2,500 minimum balance required5
  • Elite Saver6 account available
  • Opening deposit - $2,500.00
  • FREE 24/7 Access Services

5 You must maintain a minimum daily balance of $2,500 in your account to avoid a low balance fee. If, during any month, your account balance falls below the required minimum daily balance, your account will be subject to a low balance fee of $8.00 once during the statement cycle.

6 Elite Saver: This savings account earns a higher rate than a Regular Savings account and is available only to members who have a Choice, Choice Plus or Liquid Assets Checking account. The Elite Saver account is an optional product offering. Liquid Assets account holders are not required to open an Elite Saver account. If you choose to open an Elite Saver account, you must maintain a minimum daily balance of $5,000.00 in your Elite Saver account to avoid a low balance fee.. If your balance falls below the required minimum average daily balance at any time during the month, your Elite Saver account will be subject to a low balance fee of $5.00.

Open a Liquid Assets Account

 

BaZing

Simple Banking. Amazing Benefits

When you open a Choice Plus or Simple Plus checking account, you gain the amazing benefits of BaZing. That includes deals at stores and restaurants in your area and across the country, along with other services like cell phone protection.1,2 Make sure you download the BaZing app to take full advantage of everything available.

Download the BaZing App | App Store or Google Play

BaZing Benefits

Shop Local, Save Local with BaZing Savings

Receive local discounts and national retailer deals to save you money on shopping, dining, travel and more.

Cell Phone Protection1,2

Receive up to $400 per claim ($800 per year) if your cell phone is broken or stolen.

Woman with shopping bags

ID Theft Aid1,2

Includes payment card fraud resolution, $10,000 in personal identity theft benefits and ID monitoring. ID Monitoring requires additional enrollment on BaZing.com.

Roadside Assistance

Available 24/7 and free to use, up to $80 in service charges.

$10,000 Travel Accidental Death Coverage2

Get peace of mind for the unexpected.

Pharmacy, Vision and Hearing Savings

Save money on prescriptions, eye exams, frames, lenses and hearing services.

Want to learn more? Click here to download the full BaZing Benefits Guide.

If you try BaZing and decide you don't love it, all you have to do is visit our BaZing Opt-Out page and enter your information.* You have until the last day of the month to opt out without being charged.

BaZing fee: $4.99 per month.
1 Cell phone protection and personal identity protection are subject to additional terms and conditions.
2 Insurance products are not a deposit, not federally insured, not an obligation or guaranteed by the credit union, its affiliates, or any government agency.
3 Qualified debit card transactions are counted for the fee buydown when they are posted to the account. Transactions made during the statement cycle but not yet posted will count or the fee buydown on the next statement cycle.

Click here for full disclosures on all checking accounts.