Our checking accounts are designed to support every stage of life—from helping teens build smart money habits to giving students the tools they need for school and beyond, providing everyday checking options that fit your financial goals, and offering a way to earn dividends while keeping larger balances accessible. Whether you're opening your first account, looking for an account that rewards the way you bank, or working toward your next financial step, La Cap has a checking solution for you.
Our checking accounts offer features to satisfy a variety of wants and needs. Earn up to 6.50% APY on up to $10,0002 with Choice Checking, our innovative high-yield checking account that earns dividends even while you spend.1,2 Select Simple Checking for a straightforward, convenient account that’s an all-around good fit for most people. 1,3 Liquid Assets Checking lets you earn dividends on your full balance with a $2,500 minimum daily balance and no transaction requirements.8 Both accounts have great features like a no-cost option4,5 and the chance to receive paychecks up to 2 days early.6 We also waive fees for items presented for payment that are $10 or less when your account’s available balance isn’t enough to cover the item, and we've eliminated transfer fees on transfers from savings to checking.
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1 The following applies to all La Cap Checking accounts: Membership is required a Regular Savings Account with a $5.00 par balance. Checking account approval is based on the evaluation of creditworthiness. A fee of $8.00 monthly service charge for a low balance will be assessed if average daily balance requirements are not met. The $8.00 monthly service charge for a low balance is waived for members under 24 years old and have a Simple Checking account. A $2.00 monthly service charge will be assessed if paper statements are provided. The $2.00 monthly service charge for paper statements is waived for members who are under 17 years old or over 60 years old or any account enrolled to receive electronic statements (eStatements). Unless otherwise stated overdraft programs are available for additional fees please see the fee schedule for specific services and fees. Some restrictions apply. Please contact a La Cap representative for additional details.
2 La Cap Choice Checking is subject to approval. APY = Annual Percentage Yield and reflects that Membership is required and subject to approval. Membership requires $5.00 par balance in a primary savings account. The minimum opening deposit required is $50.00. Rates are accurate as of effective date 01/01/26 and subject to change without notice after account is opened. The Choice Checking is a tiered rate account Tier 1) Balances up to $10,000 earn an APY up to 6.50%; Tier 2) Balances $10,000.01 or greater earn an APY of 0.74%. To qualify for the stated high yields, you must have fifteen (15) debit card transactions with a minimum of $5.00 each, excluding ATM transactions, posted to your account before the end of the statement period. If the required debit card transactions do not post to your account before the end of the statement period, your entire account balance will earn 0.01% APY. A monthly low balance fee of $8.00 will be charged to the account when 1) the daily balance falls below $1,000.00 anytime during the statement period; OR 2) 15 debit card transactions, excluding ATM transactions, do not post to the account by the end of the statement period. A monthly paper statement fee of $2.00 will be charged to the account unless 1) the account is enrolled to receive statements electronically, OR 2) the member is under 24 years of age. When you agree and consent to receive your statements electronically, you are eligible for a refund of ATM fees up to $25.00 charged for using an ATM not owned by La Capitol FCU. Dividends are calculated on a daily balance method, compounded, and credited monthly. The stated APYs are calculated using compounding dividends and are not guaranteed. Withdrawals will decrease the APY earned. La Cap reserves the right to limit the number of Choice Checking accounts per membership, joint or individually. Federally insured by NCUA.
3 La Cap Simple Checking is a non-dividend-bearing account. The minimum deposit to open is $50.00. To avoid the $8.00 monthly service charge for a low balance one of the following must occur: $1,000 daily balance; or ten (10) posted, non-ATM, debit card transactions; or a direct deposit of $500.00 or more during the statement period. The $2.00 monthly service charge for paper statements is waived when online consent to enroll in Electronic Statements (eStatements) is received. Effective Date: 01/01/26
4 No cost option is available when your daily balance does not fall below $1,000.00 during the statement period; OR you have 15 debit card transactions that are not ATM transactions, debit, complete and post to your account by the end of the statement period and you affirmatively consent to receive your statements electronically. Each month these are not met your checking account will be charged an $8.00 low balance fee and a $2.00 checking paper statement fee. Low balance fee and monthly service fee waived for accounts owned by members age 24 and under. When an account holder reaches age 25, monthly service fee and low balance fee become applicable.
5 No cost option is available when your daily balance does not fall below $1,000.00 during the statement period; OR you have 10 debit card transactions that are not ATM transactions, complete and post to your account by the end of the statement period, OR ACH credit(s) totaling $500.00 post to the account by the end of the statement period, and you affirmatively consent to receive your statements electronically. Each month these are not met your checking account will be charged an $8.00 low balance fee and a $2.00 checking paper statement fee. Low balance fee and monthly service fee waived for accounts owned by members age 24 and under. When an account holder reaches age 25, monthly service fee and low balance fee become applicable.
6 You may receive access to your ACH credits up to 2 days early. We post ACH credits the day we receive them and when we receive them depends on the timing of the payer’s payment instructions. Federal holidays may delay availability.
7 BaZing is available with Choice Checking and Simple Checking accounts. The fee is $5.99 per month. Cell phone and personal identity protection are services provided by a third party and are subject to additional terms and conditions. Separate activation for these benefits is required. To activate identity monitoring, please go to www.bazing.com, log in, select Protection under Categories, and follow the easy sign-up steps. BaZing Fuel is subject to terms and conditions; see the BaZing Benefits Guide for details.
8 Liquid Assets Checking: The minimum deposit to open is $2,500.00. The dividend rate is 0.10% accurate as of Effective Date: 09/18/26 and subject to change without notice. The $15.00 monthly service charge for a low balance is waived with a $2,500.00 minimum daily balance in the statement period. Dividends are calculated on an average daily balance method, compounded, and credited monthly. Fees may reduce earnings. Effective Date: 09/21/26.
9 Elite Saver Plus: Elite Saver Plus Accounts are available only to credit union members with a Choice Checking or Liquid Assets Account. If your Choice Checking or Liquid Assets Account is closed, your Elite Saver Plus Account will be converted to a Regular Savings (Share) Account. Minimum opening balance is $10,000.00. The Annual Percentage Yield for your account is determined by the applicable rate tier. Tier 1, required balance: $10,000.00–$99,999.99, 1.5% APY; Tier 2, required balance: $100,000.00–$249,999.99, 1.00% APY; and Tier 3, required balance: $250,000 and higher, 0.5% APY. Rates are subject to change. A minimum balance of $10,000.00 is required to earn the stated APY. A $25.00 per month fee will be assessed when the balance falls below $10,000.00 any day during the month. Withdrawals will decrease the APY earned. Please contact La Cap for current rate information and complete account disclosures.