Keep it nice and simple. Or seek out an extra edge.

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 bonus cash to dividend earnings to no-fee simplicity.

Classic Checking

Go beyond basic by earning dividends on your balance.

  • 3% Annual Percentage Yield (APY)3
  • Easy access to our online platform, CU Online, or our mobile app

Edge Checking

Each debit card purchase can lead to bonus cash.2

  • Unlimited ATM refunds1
  • Manage money through our online platform, CU Online, or our mobile app

Edge Teen Checking

Teens 13 to 17 years of age get an account tailored to them.

  • All the features of Edge Checking
  • Bonuses for good grades and more11

Simple Checking

Get a straight-forward account with plenty of free services.

  • No minimum balance requirement
  • Anytime access to our online platform, CU Online, or our mobile app
Classic Checking
Edge Checking
Edge Teen Checking
Simple Checking
Why Select This

Earn dividends on your balance

Earn cash bonuses with your debit card

Tailored to members 13 to 17 years old 

Straight-forward account with free services

Rate

3.00% APY3

N/A

N/A

N/A

Key Features/​Benefits
  • Unlimited ATM refunds1
  • Free checks5
  • Includes debit card
  • Free access to CU Online and our mobile app
  • CD bumps6
  • Safe deposit box discount7
  • Free money orders and cashier's checks
  • Free line-of-credit transfers and overdraft share transfers8
  • CU Save9
  • Unlimited ATM refunds1
  • Bonus cash2
  • Requires eStatements4
  • Includes debit card
  • Free access to CU Online and our mobile app
  • Free line-of-credit transfers and overdraft share transfers8
  • CU Save9
  • Unlimited ATM refunds1
  • Bonus cash2
  • Requires eStatements4
  • Includes debit card
  • Free access to CU Online and our mobile app
  • Free line-of-credit transfers and overdraft share transfers8
  • CU Save9
  • $10 cash bonus for good grades10
  • $25 match when you set up a direct deposit from your employer into your Edge Teen account11
  • $100 gas card when you finance your first auto or recreational vehicle directly with us12
  • Free access to CU Online and our mobile app
  • Free line-of-credit transfers and overdraft share transfers8
  • CU Save9

Classic Checking

Why Select This

Earn dividends on your balance

Rate

3.00% APY3

Key Features/​Benefits
  • Unlimited ATM refunds1
  • Free checks5
  • Includes debit card
  • Free access to CU Online and our mobile app
  • CD bumps6
  • Safe deposit box discount7
  • Free money orders and cashier's checks
  • Free line-of-credit transfers and overdraft share transfers8
  • CU Save9

Edge Checking

Why Select This

Earn cash bonuses with your debit card

Rate

N/A

Key Features/​Benefits
  • Unlimited ATM refunds1
  • Bonus cash2
  • Requires eStatements4
  • Includes debit card
  • Free access to CU Online and our mobile app
  • Free line-of-credit transfers and overdraft share transfers8
  • CU Save9

Edge Teen Checking

Why Select This

Tailored to members 13 to 17 years old 

Rate

N/A

Key Features/​Benefits
  • Unlimited ATM refunds1
  • Bonus cash2
  • Requires eStatements4
  • Includes debit card
  • Free access to CU Online and our mobile app
  • Free line-of-credit transfers and overdraft share transfers8
  • CU Save9
  • $10 cash bonus for good grades10
  • $25 match when you set up a direct deposit from your employer into your Edge Teen account11
  • $100 gas card when you finance your first auto or recreational vehicle directly with us12

Simple Checking

Why Select This

Straight-forward account with free services

Rate

N/A

Key Features/​Benefits
  • Free access to CU Online and our mobile app
  • Free line-of-credit transfers and overdraft share transfers8
  • CU Save9

Capital Credit Union is a full-service financial institution with locations in Bismarck, Mandan, Fargo, Beulah, Hazen, New Salem and Flasher, North Dakota.

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 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 3.00% Annual Percentage Yield (APY) on balances up to $20,000 and .05% APY on the portion of the balance exceeding $20,000. Interest earned on entire balance when $2,500 minimum is maintained. Interest calculated at a blended rate between .05%-3.00% APY. If requirements are not met, dividends on accounts meeting the minimum balance will be paid at .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.

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

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

6A 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.

725% discount on safe deposit boxes for members with Classic Checking.

8Free with eStatements; $3 fee applies without.

9No 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.

10To 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.

11To 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.

12$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 5/1/2023.