Checking
Want a checking account that matches your unique sense of style? Our credit union's checking accounts give you rewards based on the things that matter to you. Want to earn some interest? You got it! Need some cash back for just using your debit card? It's yours. Plus, keep your money mobile with digital banking and additional features like Card Valet and more!
Cha-Ching™
There's nothing like the sweet sound of money growing in your account from an awesome savings rate. Check out our ChaChing™ checking if you want your money to work as hard as you do with a superb rate on balances up to $15,000!
MyMedia
Download that tear-jerker classic or binge watch your way to twenty-first century checking! This account offers some sweet monthly perks if you stream the night away with Netflix®, Hulu®, Spotify®, Apple® or Amazon.com® downloads.
MyMoney
Your money, your rewards. 4% of debit card purchases bounce back to you, so it literally keeps your money in your pocket. So go out and know that every swipe is bringing money right back into your wallet.
MyChoice
We're back to basics with this straightforward checking account. While it starts out with an $8 monthly fee, by doing regular activities, you can keep your checking account free of charge!
Fresh Start
Are you ready to hit the reset button on your financial journey? Say hello to Fresh Start Checking – your pathway to financial freedom and peace of mind.
Compare Checking Account Perks
The all-in-one money app for families.
Set your family up for financial success, on us!
FREE* for members of Capital Credit Union
Chores and allowance
Assign chores and jobs in the app - and link them to allowance.
(Or not, it's up to you!)
Debit card for kids and teens
Teach smart spending with a card of their own and get real-time notifications
Money management
Send money instantly, manage chores and allowance, set up direct deposit and more
FREE* for members of Capital Credit Union
Chores and allowance
Assign chores and jobs in the app - and link them to allowance.
(Or not, it's up to you!)
Debit card for kids and teens
Teach smart spending with a card of their own and get real-time notifications
Money management
Send money instantly, manage chores and allowance, set up direct deposit and more
Connect with us
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Additional features
Level up your Checking Account
Get a Debit Card
A direct line to checking whenever you need it.
A debit card is a constant connector with your checking account. Making a quick grocery run and don't have cash? (Because really, who carries cash anymore?) Use your debit card at the register, and the purchase will come straight from checking.
Use your debit card for:
- In store purchases where Visa® is accepted
- Getting cash at an ATM
- Online purchases
Get your card instantly at any of our branch locations.
Any of our branches can print a debit card for you the same day you open your account.
Forgot your PIN?
If you forgot your PIN on our debit or ATM card, you can call 800-992-3808 for assistance.
Change UP
The thinkless way to save
Ever wish saving would be automatic? BOOM. It can be. ChangeUP automatically rounds your debit purchases to the next dollar. At the end of the day, all the change from debit purchases that have cleared your account get totaled and deposited in a savings account of your choice. If you use your debit card fairly regularly, those savings can really add up!
HOW IT WORKS
You go to the gas station in the morning and pay $35.02 to fill up.(+0.98)
Then later you grab lunch at your favorite cafe for $12.64.(+0.36)
Then later you grab lunch at your favorite cafe for $12.64.(+0.36)
On your way home from work you swing by the store for some last minute items and spend $25.75.(+0.25)
At the end of the day, ChangeUP transfers $1.59 to savings. (Assuming all of the purchases have cleared your account.)
If every day were like today, you could save $11.13 that week, or $578.76 for the year. A little saving can go a long way!
READY TO GET STARTED?
You'll need a Capital Credit Union Checking account* to use ChangeUp.
- Already have a CCU Checking? Fill out a sign up form(Opens in a new window) and we'll get it processed for you.
- Don't yet have Checking? Apply online or stop into any branch and we'll help you out.
*ChaChing, MyMedia, MyMoney, MyChoice, or Fresh Start checking account
MyCards
KEEP TABS ON YOUR DEBIT CARD
Managing your debit card just got a whole lot easier! MyCards allows you to turn your debit card on and off, set alerts based on your specific preferences, and report your card lost or stolen right within Digital Banking. It's one more tool to help protect yourself against fraud anytime, anywhere.
- Protect yourself
Get mobile alerts whenever your card is used - Track Card Use
Review card usage history and transaction details - Set Limits
Set customized purchase controls to help manage spending
You will need Digital Banking to enroll for MyCards. Disclosures provided upon service enrollment.
Mobile Check Deposit
For Days when you think, "i'd rather stay in my pjs."
- Deposit checks into your account with your Android™ or Apple™ phone or tablet.
- Transactions are encrypted and secure with password protection.
- To enroll - log into Digital Banking and choose Deposit in either the right menu or the bottom menu.
Mobile check deposits confirmed as received before 4 PM Central Time on a business day will be credited to your account on the same business day. Deposits confirmed received after 4 PM and deposits confirmed received on holidays or days that are not our business days will be credited to your account on the next business day after the deposit is made. A longer delay in crediting your account may take place if Capital CU deems the delay is warranted (collectability or legitimacy questions, etc.) You will be notified should longer delays apply.
How to Make A Mobile Check Deposit
- If you haven't already, download Capital Credit Union's mobile app to your phone or mobile device and enroll in Digital Banking.
- In the main menu, click Deposits, or select Deposits in the bottom banner of the app.
- If this is your first time using Mobile Check Deposit, read and accept the agreement.
- On the back of your check, in the endorsement area:
- Write "For Mobile Deposit Only"
- Sign it
- Select the account you would like the check deposited in and enter the check amount.
- Capture Image of check (front and back) and hit Deposit.
Reorder Checks
*Offer ends 5/13/2027. Capital Credit Union members are eligible for the Greenlight SELECT plan at no cost when they connect their Capital Credit Union account as the Greenlight funding source for the entirety of the promotion. Subject to minimum balance requirements and identity verification. Upgrades will result in additional fees. Upon termination of promotion, customers will be responsible for associated monthly fees. See terms for details. Offer subject to change and partner participation. The Greenlight® prepaid card is issued by Community Federal Savings Bank, member FDIC, pursuant to license by Mastercard International. The funds underlying the Card Account are FDIC-insured up to $250,000.Membership Eligibility Required. Terms and Conditions Apply. Capital Credit Union is federally Insured by the NCUA.