Four checking accounts. One perfect fit.

The world would be boring if people were exactly alike. The same goes for checking accounts. We believe in offering a variety of options that feature everything from unlimited ATM fee refunds to dividend earnings to no-fee simplicity.

  • Get up to a $101 match on your first deposit*
  • July 6 - Sept. 30 on any new Classic, Edge, Edge Teen or Simple checking account
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Find your match with one of our four convenient checking account options.

  • Classic Checking. Save money with lots of freebies and receive dividends paid on your account balance at a competitive interest rate.
    • 3.04% Annual Percentage Yield (APY)1
    • Easy access to our online platform, CU Online, and mobile app
  • Edge Checking. No minimum account balance requirement and ATM fee refunds? Talk about a checking account that has an edge on the competition.
  • Edge Teen Checking. Here's something that's uniquely yours - a checking account to use while you're 13 to 17 years of age with the digital access you need to manage your money, and more than just props when you make the grades in school.
    • All the features of Edge Checking
    • Bonuses for good grades and more3
  • Simple Checking. "Simple" means you don't have to keep track of a minimum account balance, limit your transactions or squint to read any other fine print.

*Offer valid July 6 - Sept. 30, 2026, on any new Classic, Edge, Edge Teen or Simple checking account. Initial deposit must be new money (funds not currently held by Capital Credit Union in any share or deposit account). Limited to persons ages 13 and older. To become a Capital Credit Union (CCU) member, you must live within 75 miles of Bismarck, Fargo, Hazen or Flasher, ND; within 50 miles of Beulah or New Salem, ND; or have immediate family who are members living within 50 miles of Bismarck, ND. Not available to any person who has previously had a CCU checking account. Deposit match is considered taxable income, and member will be solely responsible for all federal, state and local taxes. Matched funds will be deposited into member's CCU checking account 60-70 days after account opening, if member maintains a positive available balance and account remains open. One-time match equals initial deposit only; maximum match of $101. CCU reserves the right to terminate or modify the promotion details at any time. Fees may reduce earnings. Other restrictions may apply. Promotions, programs, rates, terms and conditions are subject to change without notice.

1Dividends will be paid to members who meet the following requirements: (1) maintain an average daily balance of $2,500, (2) be a member in good standing, and (3) have 12 or more qualifying transactions that post and clear during each monthly qualification period on their Capital Credit Union debit or credit card. Dividends paid at 3.04% Annual Percentage Yield (APY) on balances up to $20,000 and 0.05% APY on the portion of the balance exceeding $20,000. Interest calculated at a blended rate between 0.05%-3.04% APY. If requirements are not met, dividends on accounts meeting the minimum balance will be paid at 0.05% APY. Dividends will be deposited into the checking account on the last day of the month in which the qualification period ends. Qualifying transactions only include debit or credit card purchases on Capital Credit Union cards; qualifying transactions do not include check purchases or 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 is a special promotion, associated rates, terms and conditions may change or be discontinued at any time.

2No fee will be charged for use of CO-OP ATMs. Fees charged by non-CO-OP ATMs will be automatically refunded.

3To 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 Share Savings account within 30 days of report card submission. Cash bonus limited to two per year; up to $20 per member/account holder.