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 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 Complete Account

Choice Plus is the perfect personal checking account for households who use their debit card often.

  • Earn dividends up to 4.25% APY 1
  • ATM fee refunds of up to $25 each month 2
  • Free 24/7 access with online banking, mobile apps, bill pay, and more
  • BaZing benefits: phone and identity theft protection, 24/7 roadside assistance, a health savings card, plus discounts at select merchant nationwide for just $4.99 per month3

Meet these simple qualifications each month.

  • Use estatements4
  • Make 15 debit card swipes per month or have $1,000 average daily balance 5
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.

Open a Choice Plus Account

Learn About BaZing

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.

Simple Plus

Our Most Popular Account

  • Free 24/7 access with online banking, mobile apps, bill pay, and more
  • BaZing benefits: phone and identity theft protection, 24/7 roadside assistance, a health savings card, plus discounts at select merchant nationwide for just $4.99 per month3

Meet these simple qualifications each month.

  • Use estatements2
  • Make 10 debit card swipes per month or have $1,000 average daily balance3

Open a Simple Plus Account

Learn About BaZing

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.

Choice

Checking that pays: monthly dividends plus ATM fee refunds. All in this no cost option.

  • Earn dividends up to 4.25% APY1
  • ATM fee refunds of up to $25 each month2
  • Free 24/7 access with online banking, mobile apps, bill pay, and more

No Cost Option - Meet these simple qualifications each month.

  • Use estatements3
  • Make 20 debit card swipes per month or have $1,000 average daily balance4
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.

Open a Choice Account

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.

Simple

Simply great checking with low fees and overdraft protection–plus it’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 apps, bill pay, and more

No Cost Option - Meet these simple qualifications each month.

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

Open a Simple Account

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.

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 required1
  • Elite Saver2 account available
  • Opening deposit - $2,500.00
  • Free 24/7 access with online banking, mobile apps, bill pay, and more

Open a Liquid Assets Account

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.

Click here for full disclosures on all checking accounts.