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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 reorder checks, 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 | 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 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 APY = Annual Percentage Yield. La Cap Choice Plus 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: - 15 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. 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 or 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
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. Low balance fee and monthly service fee waived for account owned by members age 24 and under.
Open a Simple Plus Account Learn About BaZing
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 APY = Annual Percentage Yield. La Cap Choice 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 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. 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 or 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.
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 and monthly service fee waived for account owned by members age 24 and under.
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.
5 You must maintain a minimum daily balance of $2,500 in your Liquid Assets checking 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.
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
Receive local discounts and national retailer deals to save you money on shopping, dining, travel and more.
Receive up to $400 per claim ($800 per year) if your cell phone is broken or stolen.
Includes payment card fraud resolution, $10,000 in personal identity theft benefits and ID monitoring. ID Monitoring requires additional enrollment on BaZing.com.
Available 24/7 and free to use, up to $80 in service charges.
Get peace of mind for the unexpected.
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.
Click here for full disclosures on all checking accounts.
