Welcome to Personal 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.

Still not sure which account is right for you? Take our checking quiz! For more detailed information on a particular account, scroll down to read about that account.

To order checks, you have three options: log in to Online Banking and look for "Order Checks" under the Services menu, visit ordermychecks.com  or complete the check order form.
For a replacement debit card, call 800.522.2748 to place an order, complete the debit card request form and return it via mail or fax, or visit a branch near you to receive an instant issue card.

Account Name No Cost Option Free eStatements Free Online Banking ATM Fee Refunds Elite Saver Account Above Market Dividends
Choice
Simple      
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 and Simple accounts.

Simple

Simply great checking with low fees and overdraft protection – plus there's a no cost option.

Our Simple account is just that, offering a low opening balance, unlimited check writing and overdraft protection.

  • Free 24/7 access with online banking, mobile app, bill pay, and more

No cost option - To avoid paper statement fee and low balance fee each month, simply: 

  • Use estatements1
  • Make 10 debit card swipes per month or have $1,000 average daily balance2

Open a Simple Account Open a Simple Account with BaZing

1 A paper statement fee of $2.00 will be assessed for months when the account is enrolled in paper statements. A member may re-enroll in estatements at any time. Members ages 17 and under or ages 60 and over will not be assessed the $2 monthly service fee regardless of their eStatement status. 2 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 and monthly service fee waived for account owned by members age 24 and under.

Choice

Checking that pays: earn up to 4.25% APY plus ATM fee refunds, all available in a no cost option.

  • Earn up to 4.25% APY1
  • ATM fee refunds of up to $25 each month1
  • Free 24/7 access with online banking, mobile app, bill pay, and more

No cost option - To avoid paper statement fee and low balance fee each month, simply: 

  • Use estatements1
  • Make 15 debit card swipes per month or have $1,000 average daily balance1
Choice1
Qualifications APY Dividend
Up to $3,000 4.25% APY 4.17%
$3,000.01 - $10,000 4.25% - 2.67% APY 1.98%
Over $10,000 0.10% APY 0.10%
If qualifications are not met,
0.10% APY on entire balance.
If qualifications are not met,
0.10% APY on entire balance.
 

Open a Choice Account Open a Choice Account with BaZing

1 La Capitol Choice Checking and Choice Checking with BaZing - APY = Annual Percentage Yield. Membership is required = A Regular Savings Account with a $5.00 par balance. The minimum opening deposit required is $50.00. Rates are accurate as of 8/2/2021 and subject to change without notice. The Choice Checking with BaZing is a tiered rate account Tier 1) Balances up to $3,000 earn an APY up to 4.25%; Tier 2) $3,000.01 to $10,000.00 earn an APY range up to 4.25% to 2.67; Tier 3) 10,000.01+ earn an APY range up to 2.67% to .36%. To qualify for the higher 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) consent has been received and the account is enrolled to receive statements electronically, OR 2) the member is under 17 years old or over 60 years old. When you enroll 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. La Capitol Federal Credit Union reserves the right to limit the number of Choice Checking and Choice Checking with BaZing accounts per membership, joint or individually. Federally insured by NCUA.

Convenience Features

La Cap checking accounts come lots of convenience features to help you control your accounts any time night or day.