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WAHOO!
Checking
Benefits:
-
Free ATM Cash
Withdrawals - Capital
Credit Union will not charge you to take money out of any ATM
anywhere in the US. We will also refund you for any surcharge you
receive from another financial institution's ATM.1
-
Free Checks for
Life - When you order
checks from Capital Credit Union you will receive them FREE for
life.2
-
Free Debit Card
that Pays You Back -
Receive $0.03 back per purchase transaction that will be deposited
into your checking account at the end of each month.
-
Free Overdraft /
NSF - Capital Credit
Union will waive one Overdraft/NSF fee per year.3
-
Free Switch It
Service
-
Free Online Bill Payment
-
Free Web Checks
-
Free E-Statements
-
Free 24-hour CU Online Internet Access
-
Free 24-hour Anytime Access service
-
Overdraft Protection available
-
Debit Card Rounding available
-
Accounts insured up to $350,000
-
Get more benefits with
the Relationship Rewards program!
Click here to find
out more.
Requirements:
- No
minimum balance
- This
account totally FREE!
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1 Must mail or bring
your receipt to Capital Credit Union within 60 days for full
refund. 2 Free checks only available in specific check
designs. 3 Member must notify Capital Credit Union to
have fee refunded.
Second Chance
Checking
Benefits:
-
Money Card available (works like Instant Cash & Check card)
-
Unlimited check writing
-
Free 24-hour Anytime Access
service
- Free 24-hour CU Online Internet
access
- Free E-Statements (e-mailed
statements)
- Free Bill Payment
- Review of your account after 12
months to convert to a regular checking with satisfactory
account history
- A FREE credit score enhancement
session
Requirements:
- Direct Deposit
- Provide a phone bill
- Longer check holds may
apply
Service
Fees:
- $25 opening and set up fee
- $10 monthly service fee
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E-Checking
Benefits:
Requirements:
-
E-Statements (e-mailed
statements)
-
Direct deposit
(if applicable)
-
Maximum of 25 checks cleared
per month (25¢ per check thereafter)
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Premium Checking
Benefits:
Requirements:
-
$500 minimum balance ($10
monthly service charge if account falls below $500)
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President's Choice Checking
Benefits:
Requirements:
-
$2,500 minimum balance ($10
monthly service charge if account falls below $2,500)
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Business
Checking
Benefits:
- Dividend earned with
minimum balance of $500 or more
- Checks may be returned
- Instant Cash Card (no
charge at CCU ATMs)
-
Free 24-hour Anytime Access
service
- Free 24-hour CU Online Internet access
- Free E-Statements (e-mailed statements)
- ACH Origination available
- Merchant Program available
- Free Bill Payment
-
Overdraft Protection available
- Debit
Card Rounding available
- Accounts insured up to $350,000
Requirements:
- None ($3,000 minimum
balance needed to avoid service fee)
Service
Fees:
- $10 monthly fee if account
falls below $3,000
Visit with our Business
Services Officers for more information.
Checking
Account Programs Full of Valuable Benefits
-
Automatic Receipts - Each time
you write a check you will have a carbonless copy that can
remain in your checkbook for future reference. Cancelled checks
are not returned. A copy of a check can be ordered for a small
fee.
-
Bill Paying Service -
Pre-authorized payments can be deducted from your checking
account for insurance, telephone, cable T.V., mortgage payments,
etc.
-
Monthly Statements - Monthly
statements will provide a detail of your checking account
activity.
-
T.L.C. (Transfer Line of
Credit) - T.L.C. is a special pre-approved line of credit. It
works similar to a credit card. The difference is that instead
of charging your purchase, you simply write a check for it. We
will then automatically deposit that amount, up to the approved limit, into your checking account. The
convenience of T.L.C. provides you with built-in overdraft
protection, protecting you from writing bad checks. TLC is a
very convenient feature that will only cost you a small transfer
fee (see fee schedule) and an interest charge when you use it.
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