CU Online & Mobile App Quick Guide & FAQs

We go where you go.

Thank you to everyone who has downloaded our improved mobile app or logged on to the updated CU Online. We appreciate your feedback and are listening. While any change comes with challenges, we are committed to providing our members the leading digital banking technology.

CU Online is available in the upper-right-hand corner of our website and the new app is now available for download from the App Store and Google Play. It includes all the features you’re used to, as well as great additional features such as Touch ID for iOS and fingerprint scan for Android. It also has a new look and feel.

If you used the previous app, you will be able to use the same username and password on the new app as you used before.

CU Online is best experienced on a desktop or laptop computer. Please use the mobile app if you are on a mobile device.

The mobile app and CU Online are now compatible with Quicken, QuickBooks and Mint. In order to access these products, you will need to deactivate your Capital Credit Union account from Quicken, QuickBooks or Mint, then reconnect your account.



Click here to view our Quick Guide, which provides detailed information
on all the great features of CU Online and our mobile app.

Review frequently asked questions for CU Online and our mobile app below.

 
Capital Credit Union is committed to making your mobile and online banking experiences as quick and easy as possible. Our new mobile app includes all the features you’re used to, as well as great additional features such as Touch ID for iOS and fingerprint scan for Android. It will also have a new look and feel. 

The mobile app allows members to:

  • Check real-time account balances
  • Access your statements
  • Transfer funds between accounts
  • Deposit checks with Mobile Deposit
  • Peer-to-peer payment
  • Online bill pay
  • Complete a payment with Picture Pay
  • Search for branch and ATM locations

CU Online allows members to:

  • Check real-time account balances (savings, checking, loans, Visa, CDs, IRAs)
  • Review account information and history
  • Transfer funds between accounts or to another member
  • Send or receive money using a person’s email or mobile phone
  • Set up scheduled transfers
  • Request a withdrawal by check
  • Make loan payments
  • View and print statements
  • Find out if a check has cleared
  • Stop payment on checks
  • Set up account alerts
  • Download your transaction information to personal financial management software such as Quicken

Yes. CU Online is available at capcu.org. Our mobile app is a free download at the App Store and Google Play. Standard data charges from your wireless carrier may apply.

The mobile app provides real-time information. You will need internet access in order to log in and make use of the features.

Yes. The mobile app uses multi-factor authentication and a secure connection.  However, mobile devices do offer you the ability to store your login information for apps installed on the device. If you choose to store your login information, any person who has access to your mobile device can access your account.

If you are unable to use the Capital Credit Union mobile app, first please confirm that you have the latest app that’s available in the App Store or Google Play. The most up-to-date Capital Credit Union mobile app is currently the only one offered from us in the App Store and Google Play. Simply search for “Capital Credit Union” in the App Store or Google Play and look for our icon: .

Links to the app are also available here: https://www.capcu.org/Save-Spend/Services/Mobile-Banking/Mobile-App.
The most up-to-date Capital Credit Union mobile app is currently the only one offered from us in the App Store and Google Play. If you do not have the latest app, please visit the App Store or Google Play and download it for free. Simply search for “Capital Credit Union” in the App Store or Google Play and look for our icon:  

Links to the app are also available here: https://www.capcu.org/Save-Spend/Services/Mobile-Banking/Mobile-App.

Following the expiration of the outdated Capital Credit Union mobile app, a message stating that the app is in maintenance mode will appear. You will need to download the new app from the App Store or Google Play.

Simply search for “Capital Credit Union” in the App Store or Google Play and look for our icon: . If you cannot find our mobile app, it likely means your device is not supported.

Links to the app are also available here: https://www.capcu.org/Save-Spend/Services/Mobile-Banking/Mobile-App.
  • Android
    • Version 7.5 - Kit-Kat 4.4 & higher
    • Version 8.0 -  Lollipop  5.0 & higher
  • iOS
    • Version 7.5 - iOS 9.3 & higher
    • Version 8.0 - iOS 10.3 & higher
  • Windows 7 & 8
    • Microsoft Internet Explorer (11.0)
    • Microsoft Edge (39 & 40)
    • Mozilla Fire Fox (54 & 55)
    • Google Chrome (60 & 61)
    Note: Windows Vista and XP operating systems are not supported. Additionally, compatibility mode is not supported within any Internet Explorer browser.
  • Mac OS & 8
    • Google Chrome (60 & 61)
    • Mozilla Fire Fox (54 & 55)
    • Safari (10x & 11x)

After you download the mobile app from the App Store or Google Play, you’ll be able to self-enroll via the link labeled “New User Registration.” You’ll then need to register (you will need your member/account number for this), accept the Terms & Conditions, validate and create a username and password. Businesses will need to contact Capital Credit Union to enroll.

Yes. The first time you log in to the new CU Online and mobile app, use the username and password you used for the old CU Online and app, accept the Terms & Conditions and validate (you will need your member/account number for this). You’ll then be able to set a new password if you wish.
Alerts will be converted when possible, but some alerts available on the new app will differ from those available on the old app. Please review alert settings on the new app. Transfers and scheduled transfers that were maintained on the app will be converted. Bill pay conversion will contain payees, current payments and future scheduled payments.  
Bill Pays will no longer be prefunded. Checks will clear the account once the receiving merchant/individual deposits or cashes it. Bill Pays are subject to returns for non-sufficient funds (NSF) as well as courtesy pay and transfer fees. Automated Clearing House (ACH)/Electronic Payments will still deduct within 2-3 business days from the scheduled payment date, but will now be subject for returns as non-sufficient funds (NSF) as well as courtesy pay and transfer fees. Members will have the choice to expedite payments for an additional fee – $20 for a paper check and $2.25 for ACH. Fees are non-negotiable. Members can edit/delete payments until they are picked up for processing at 3 p.m. CST on the processing date. This cut-off time is non-negotiable.  

Yes. Based on the type of mobile phone and operating system you have, the Capital Credit Union mobile app supports quick log in using Touch ID for iOS, fingerprint scan for Android and/or passcode entry. This feature offers quick, secure access to view your accounts, balances and transactions. However, if you would like to make a transaction, like deposit a check, you will need to fully log in to the app. PINs are also supported, if activated by the user.

The information you see in CU Online and the app is your current account information, so it is always up-to-date. However, if you keep CU Online or your app open for an extended period, you should refresh the page by selecting a new option in order to ensure the information is still current.

In most cases, when you open an additional account, no action is needed to add the account to CU Online or your mobile app. The new account will automatically be accessible via CU Online and the mobile app. Some account types are not accessible via the app (ex. Combo CD/Savings).

Most information can be updated via CU Online and the mobile app. Information that cannot be updated via CU Online or the app can be updated by calling our contact center at 701.255.0042 or 800.735.6922.

To make a payment on your Capital Credit Union Visa credit card via CU Online or the mobile app:
  1. go to “Loan Transfers” on the left side of your screen
  2. select “Transfer Funds” in the middle of your screen
  3. enter your payment information
    • Transfer From: account you’d like to pay out of
    • Transfer To: your Visa
    • Select the appropriate Send Date
    • Payment Type: regular
    • Enter the appropriate Payment Amount
  4. double check your entry in the “Summary” on the right side of your screen
  5. click “Submit” to finalize
  • Log on to your CU Online account at capcu.org.
  • Click on the gear icon located in the upper-right corner of the page.
  • Under the "Personalize" bar, choose "Settings" and then "Text Banking."
  • Enter your cell phone number and choose the "save" icon to receive a validation code via text message (the text message will come from the number: 592-17).
    • Enter the validation code you receive in the space provided on CU Online.
  • Choose a primary account.
  • If you'd like to utilize the transfer feature, you'll also need to choose a secondary account.
  • Choose "Confirm."
You will now be able to utilize text banking.
  • Text BAL to 592-17 to receive balances on all accounts
  • Text TRAN (amount) to 592-17 to transfer from/to the preset primary and secondary accounts set up via CU Online
  • Text HIST to 592-17 to receive the last 3 debit charges on your primary account
  • Text HELP to 592-17 for acceptable commands

When you are ready to log out, select the gear settings menu and click “Log Out”. If you cannot see this option, you may need to adjust your screen size.