CU Online

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You could call it convenient, but that would be an understatement.

Check account balances, pay bills and transfer funds 24/7. And by the way, the whole thing is free. Need we say more?

View monthly account statements
Manage debit and credit cards

When we say "anytime," we mean the full 24/7/365. With a PC or laptop, you can access your accounts before dawn, at midnight, and on weekends and holidays. See all your accounts in one place and make decisions faster with a clear, real-time view of your finances.

Additional Features

  • Check real-time account balances (savings, checking, loans, Visa, CDs)
  • Review account information and history
  • View and print monthly statements
  • Deposit checks online
  • Transfer funds between accounts
  • Make loan payments
  • Manage and pay bills
  • Send or receive money for free with Pay a Person
  • Find out if a check has cleared or stop payment on checks
  • Manage debit and credit cards
  • Reorder checks
  • Open a Capital Credit Union account or apply for a loan
  • Set up account alerts
  • CU Online is compatible with Quicken, QuickBooks and Mint

Getting Started

  • View our CU Online & Mobile App Quick Guide, which provides step-by-step instructions on how to use all the great features included with CU Online and our mobile app.
  • CU Online is best experienced on a desktop or laptop computer. If you are using a mobile device, please download our mobile app.

CU Online Also Includes

  • Free eStatements, account alerts, electronic notices and messaging
  • Free text banking which gives you the ability to check account balances and history and transfer money via text message

Capital Credit Union (“we,” “our,” or “us”) is committed to protecting your privacy. Below we describe how we collect, use, access, and share personal and sensitive information through our mobile banking application (“App”), powered by Jack Henry™ Banno services.

  1. Information We Collect. We collect the following categories of personal and sensitive information when you use our App:
    1. Personal Identifiers
      1. Name
      2. Address
      3. Email address
      4. Phone number
      5. Username and login credentials
    2. Financial Information
      1. Account balances
      2. Account numbers (masked where appropriate)
      3. Transaction history
      4. Payment and transfer details
      5. Credit/debit card information
    3. Transaction Data
      1. Transfers between accounts
      2. Bill payments
      3. Debit/credit activity
      4. Mobile deposit activity
    4. Location Data
      1. Approximate or precise location (if enabled by your device)
      2. Used for fraud prevention, security monitoring, and improving services
    5. Device & Usage Information
      1. Device type, operating system, and browser
      2. IP address
      3. App usage data and logs
      4. Authentication and session details
    6. Images & Files (Photos)
      1. Images of checks captured for mobile deposit (Remote Deposit Capture / RDC)
      2. Any images voluntarily uploaded within the App 
         
  2. How We Use Your Information. We use collected data for the following purposes:
    1. Provide and maintain mobile banking services
    2. Process transactions, payments, and mobile deposits
    3. Authenticate users and prevent fraud
    4. Monitor and enhance security
    5. Improve App performance and user experience
    6. Communicate important service updates and alerts
    7. Comply with legal and regulatory requirements
        
  3. How We Share Information. We may share your information with the following parties:
    1. Service Providers: We share data with trusted third-party providers who support our services. These providers are contractually obligated to protect your data and use it only for authorized purposes. Providers include:
      1. Jack Henry & Associates, Inc. (Banno platform provider) for mobile banking infrastructure
      2. Payment processors and transaction networks
      3. Identity verification and fraud monitoring services
      4. Cloud storage and hosting providers
    2. Legal & Regulatory Authorities: We may disclose information:
      1. To comply with applicable laws, regulations, or legal processes
      2. To respond to lawful requests from public authorities
      3. To protect against fraud, unauthorized transactions, or security threats
    3. Business Transfers: In the event of a merger, acquisition, or asset sale, your data may be transferred as part of that transaction.
       
  4. Permissions We Request. To provide full functionality, our App may request access to the following:
    1. Camera / Photos (Required for Remote Deposit Capture)
      1. Access to your device camera and photo library is required for Remote Deposit Capture (RDC)
      2. This allows you to take and upload images of checks for deposit
      3. Images are securely transmitted and stored in accordance with financial regulations
      4. We do not access your photos unless you actively initiate a remote deposit capture or choose to upload an image
    2. Location (Optional)
      1. Used for fraud detection and security monitoring
      2. Helps identify suspicious activity and protect your account
    3. Notifications
      1. Used to send account alerts, transaction updates, and security notifications
      2. You can manage or revoke these permissions at any time within your device settings
         
  5. Data Security. We implement industry-standard security measures to protect your information, including:
    1. Encryption (in transit and at rest)
    2. Multi-factor authentication (MFA)
    3. Secure login protocols
    4. Continuous monitoring for unauthorized access
       
  6. Data Retention. We retain your information only as long as necessary to:
    1. Provide services
    2. Meet legal and regulatory obligations
    3. Resolve disputes and enforce agreements
       
  7. Your Privacy Choices. You may:
    1. Access and review your account information within the App
    2. Update or correct personal information
    3. Disable location services or permissions via device settings
    4. Contact us to request additional privacy-related actions
        
  8. Children’s Privacy. Our App is not intended for individuals under the age of 13. We do not knowingly collect personal information from children.
      
  9. Changes to This Policy. We may update this Privacy Policy periodically. Updates will be posted within the App and reflect a new “Last Updated” date.
If you have questions about this Mobile & Online Banking Privacy Policy or our data practices, please contact:
Capital Credit Union
204 W. Thayer Ave., Bismarck, ND 58501
701.255.0042
[email protected]

“Tyler Artlip is awesome, knowledgeable and respectful, and gets the best options for us. We appreciate his candor.”

- Wanda / Tyler A

“Will was the best loan officer and took care of everything. He was very friendly every time I walked into the Northwest Branch.”

- Kenneth / Will

“The knowledgeable employees are what make working with Capital Credit Union a great experience.”

- Casey

“The service we receive is outstanding! From our home loan to everyday needs, we always get great service.”

- Member
“I have worked with Lauren Vandal a few times and she is absolutely fantastic. I just referred a friend her way and he was extremely satisfied as well.”
- Dan / Lauren
“Normally we work with Kari who we LOVE but she was not there, and Loren stepped right in and got everything we needed done right away!! Awesome customer service!!!”
- Brandy / Kari