Welcome to Personal Checking That Changes Everything

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.

¹ 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. 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. 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. 3 Cell phone protection and personal identity protection are subject to additional terms and conditions. Insurance products are not a deposit, not federally insured, not an obligation or guaranteed by the credit union, its affiliates, or any government agency. 4 A monthly service charge 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. 5 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.

1 Cell phone protection and personal identity protection are subject to additional terms and conditions. Insurance products are not a deposit, not federally insured, not an obligation or guaranteed by the credit union, its affiliates, or any government agency. 2 A monthly service charge 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. 3 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.

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. 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. 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. 3 A monthly service charge 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. 4 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.

1 A monthly service charge 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.

1 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. 2 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.

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