Personal Checking Accounts Disclaimers

   

 

All Accounts

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.

Simple

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.

Pay-a-Friend (P2P) transfers do not qualify as Point of Sale (POS) transactions towards the debit card swipe requirements on your La Cap checking account(s).

Choice

3 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.

Pay-a-Friend (P2P) transfers do not qualify as Point of Sale (POS) transactions towards the debit card swipe requirements on your La Cap checking account(s).

4 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.

5 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: - 15 or more posted non-ATM debit card transactions per month.

BaZing

BaZing fee: $4.99 per month.
6 Cell phone protection and personal identity protection are subject to additional terms and conditions.
7 Insurance products are not a deposit, not federally insured, not an obligation or guaranteed by the credit union, its affiliates, or any government agency.
8 Activation for this benefit is required. To activate identity monitoring, please go to www.bazing.com, click on the Protection Category and follow the easy sign-up steps.