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 Checking Edge Checking Classic Checking
Unlimited ATM Fee Refunds
Bonus Cash 1
Earns 1% APY 2
Requires eStatements 3
Free Checks 4
Minimum Balance Requirement 5
Debit Card
Free Online and Mobile Banking
CD Bumps 6
Safe Deposit Box Discount 7
Free Money Orders
Free Cashier's Checks
Free Transfer Line of Credit and Overdraft Share Transfers 8 8 8
CU Save 9 9 9
Disclosures:

1 Earn $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 to qualify for bonus cash. Bonus cash will be automatically deposited into the Edge 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.

2 Dividends paid at 1.00% 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 during each monthly 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 on Capital Credit Union cards; qualifying transactions 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. Rates are subject to change. High yield rate incentive is a special promotion, associated rates, terms and conditions may change or be discontinued at any time.

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

4 Two 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.

5 Member must maintain at a minimum, either an average daily account balance of $2,500 in the 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. A $12 low balance fee applies for each month a member fails to maintain the minimum balance requirements. The $12 low balance fee could reduce the earnings under the account.

6 When opening a new CD, a CD bump of .10% APY will be available for members with Classic Checking, unless otherwise stated.

7 25% discount on safe deposit boxes for members with Classic Checking.

8 Free with eStatements; $3 fee applies without.

9 No 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.

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