Checking

Get the account that fits the way you manage your money.

How do you take your checking? Simple? Edgy? Dressed up? We have several options, all with the accessibility you expect as you travel throughout North Dakota and beyond. At Capital Credit Union, we like to give you options so you can find the perfect account to meet your needs.

Compare Checking Accounts

Account Feature Simple Edge Edge Teen Classic
Unlimited ATM Refunds 1 1 1
Bonus Cash 2 2
Earns 1% APY 3
Requires eStatements 4 4
Free Checks 5
Minimum Balance Requirement 6
Debit Card
Free Access to CU Online and our Mobile App
CD Bumps 7
Safe Deposit Box Discount 8
Free Money Orders
Free Cashier's Checks
Free Line-of-Credit Transfers and Overdraft Share Transfers 9 9 9 9
CU Save 10 10 10 10
$10 cash bonus 11
$25 match 12
$100 gas card 13
Disclosures:

1No fee will be charged for use of CO-OP ATMs. Fees charged by non-CO-OP ATMs will be automatically refunded.

2Earn $0.25 bonus cash on each transaction for qualifying debit card purchases, up to $5 per monthly qualification cycle per checking account, per member number. A member is required to meet all of the following to earn bonus cash: (1) receive eStatements and (2) have 12 or more qualifying transactions on their Capital Credit Union debit card that post and clear during each monthly qualification period. Bonus cash will be automatically deposited into the CU Bonus account on the first business day of the month following the monthly qualification period. Transactions may take one or more business days from the date the transaction was made to post to the checking account. Qualifying transactions include debit card purchases; qualifying transactions do not include ATM transactions. The qualification period is defined as the first through the last day of the calendar month. Bonus cash incentive is a special promotion; associated rates, terms and conditions may change or be discontinued at any time.

3Dividends paid at 1% Annual Percentage Yield to Classic Checking account holders on balances of $25,000 or less, and 0.05% APY for any balance above ­$25,000, who meet all of the following requirements: 1) must be a member in good standing, 2) have 12 or more qualifying transactions that post and clear each month during the qualification period on their Capital Credit Union debit or credit card, and 3) maintain a minimum average daily balance of $2,500­ in the Classic Checking account. If all requirements are not met, dividends will be paid at 0.05% APY, as long as the minimum average daily balance requirement of ­$2,500 is met. No dividends will be paid for accounts failing to meet the minimum average daily balance requirement. Dividends will be deposited into the checking account on the last day of the month in which the qualification period ends. Qualifying transactions include debit or credit card purchases but do not include ATM transactions. The qualification period is defined as the first through the last day of the calendar month. Transactions may take one or more business days from the date the transaction was made to post to the checking account. High yield rate incentive is a special promotion, associated rates, terms and conditions may change or be discontinued at any time.

4Free eStatements, $5 monthly fee for paper statements.

5Two free boxes of Custom Creation checks annually per account, per calendar year. Any unordered boxes of checks cannot be rolled over to the next year.

6Member must maintain at a minimum average daily account balance of $2,500 in the Classic Checking account at the end of each month. A $12 low balance fee applies for each month a member fails to maintain the $2,500 minimum balance requirements in their Classic Checking account, or a combined loan balance of $40,000 or more as determined at the end of each month. Combined loan balance includes all the member’s loans held by Capital Credit Union and excludes sold mortgages. A sold mortgage is a mortgage sold by Capital Credit Union on the secondary market. The $12 low balance fee could reduce the earnings under the account.

7A member with a good standing Classic Checking account can be granted a CD bump of .10% APY upon request at CD opening or renewal. A CD bump is not available on any special CD rate offer.

825% discount on safe deposit boxes for members with Classic Checking.

9Free with eStatements; $3 fee applies without.

10No minimum balance. $15 minimum monthly automatic deposit. One free withdrawal per month, otherwise $5 per withdrawal unless transferring to a CD or money market account.

11To receive $10 cash bonus, an official report card or other proof showing all grades above a "C" or equivalent must be submitted via the form at capcu.org/reportcard. Report cards will be accepted for the most recent grading period only. Progress reports are not eligible. Cash bonus will be automatically deposited into the member's Edge Teen Checking account within 30 days of report card submission. Cash bonus limited to two per year; up to $20 per member/account holder.

12To receive $25 match, Edge Teen Checking account holder must show proof of employment and set up automatic direct deposit into their Edge Teen Checking account. Max of one $25 match per member number.

13$100 gas card will be available for Edge Teen Checking account holders who open their first auto or recreational vehicle loan, while supplies last. Cosigner is required on the loan. Edge Teen Checking account holder must be primary on the loan. Gas card will be presented upon disbursement of the loan. Does not apply to existing Capital Credit Union loans. Edge Teen Checking is a special promotion for members ages 13-17 with an Edge Checking account; joint owner is required. Associated terms and conditions may change or be discontinued at any time.

All changes effective 12/1/2017. Insured by NCUA.