Main Menu

Forgot Password / Enroll

How Can We Help You?

Simple Checking

Simply Great Checking

Simply great checking with no-cost option available 1,2,3

  • No-cost option available1,2,3
  • Get your paycheck up to two days early4
  • Free 24/7 access with online banking, mobile app, bill pay, and more
  • Add BaZing for perks like cell phone protection, roadside assistance, ID theft aid, and more for just $4.99 a month5

Open Simple Checking Open Simple Checking with BaZing

24-hour Grace Period

To help avoid overdraft fees, we give you until 12:45 p.m. the next business day to make a deposit or transfer to cover transaction costs. 

Get Paycheck Early

We post electronic credits like ACH and direct deposits the day we receive them. That means you could get your paycheck up to two days early.4

No-cost Option Available

Meet a few simple requirements to save money, get your monthly checking account service fees waived and make use of our no-cost option.3

Fee Waivers

Fees are waived for items presented for payment that are $10 or less when your account’s available balance isn’t enough to cover the item.

24/7 Access Services

Manage your money on your schedule. You receive free 24/7 access to your checking account with online banking, mobile app, bill pay, and more.

Related Articles

hand shake over house deal

Inflation Sways Flexible Mortgage Rates

Inflation has a direct influence on how much house you can afford and the type of mortgage and methods used to pay for it. Whether rising or falling, inflation also affects an economic condition called housing availability.

Read More
home loan options

HELOC and Home Equity Loan Options

Home equity loans and HELOCs are great ways to use the equity you’ve built in your home for the things you need to accomplish. Determining the path that works best depends on your personal set of circumstances and needs.

Read More
large warehouse

Supply Chain Disruptions Affecting Housing Market

Supply chain disruptions have been stressing every aspect of the housing market for several years now. Understanding what is causing the supply chain disruptions, however, is key in knowing how to navigate the challenges they present.

Read More


1 The following applies to all La Cap Checking accounts: Membership is required a Regular Savings Account with a $5.00 par balance. Checking account approval is based on the evaluation of creditworthiness. A fee of $8.00 monthly service charge for a low balance will be assessed if average daily balance requirements are not met. The $8.00 monthly service charge for a low balance is waived for members under 24 years old and have a Simple Checking account. A $2.00 monthly service charge will be assessed if paper statements are provided. The $2.00 monthly service charge for paper statements is waived for members who are under 17 years old or over 60 years old or any account enrolled to receive electronic statements (eStatements). Unless otherwise stated overdraft programs are available for additional fees please see the fee schedule for specific services and fees. Some restrictions apply. Please contact a La Cap representative for additional details.

2 La Cap Simple Checking is a non-dividend-bearing account. The minimum deposit to open is $50.00. To avoid the $8.00 monthly service charge for a low balance one of the following must occur: $1,000 average daily balance; or ten (10) posted, non-ATM, debit card transactions; or a direct deposit of $500.00 or more during the statement period. The $2.00 monthly service charge for paper statements is waived when online consent to enroll in Electronic Statements (eStatements) is received.

3 No cost option is available when your average daily balance does not fall below $1,000.00 during the statement period; OR you have 15 debit card transactions that are not ATM transactions, complete and post to your account by the end of the statement period and you affirmatively consent to receive your statements electronically. Each month these are not met your checking account will be charged an $8.00 low balance fee and a $2.00 checking paper statement fee. Low balance fee and monthly service fee waived for accounts owned by members age 24 and under. When an account holder reaches age 25, monthly service fee and low balance fee become applicable.

4 You may receive access to your ACH credits up to 2 days early. We post ACH credits the day we receive them and when we receive them depends on the timing of the payer’s payment instructions. Federal holidays may delay availability.

5 BaZing is available with Choice Checking and Simple Checking accounts. The fee is $4.99 per month. Cell phone and personal identity protection are services provided by a third party and are subject to additional terms and conditions. Separate activation for these benefits is required. To activate identity monitoring, please go to, log in, select Protection under Categories, and follow the easy sign-up steps.

This website uses cookies to improve the user experience. If you agree, click to accept our recommended cookies or view our cookie disclosure to opt-out.