Checking Accounts

Choice Plus

Our most complete account.

Say hello to the account that does it all. With Choice Plus checking, huge monthly dividends meet the perks of BaZing, giving you our most rewarding account experience available.

With this option, you'll get:

  • Dividends up to 4.25% APY1
  • ATM Fee Refunds2
  • 24/7 Roadside Assistance*
  • Free 24/7 access with online banking, mobile apps, bill pay, and more
  • Cell Phone Protection*
  • ID Theft Aid*
  • Health Savings*
  • Nationwide Merchant Discounts*
  • Low-balance fee waived for members with 15 or more debit card (non-ATM) transactions per month3
Meet these simple qualifications each month:
  • Use estatements7
  • Make 15 debit card swipes per month or have $1,000 average daily balance3

If you're looking for a little bit of everything, this is the account for you.

Simple Plus

Our most popular account.

Checking for the savvy spender, with low fees and lots of great perks powered by BaZing.

  • 24/7 Roadside Assistance*
  • Free 24/7 access with online banking, mobile apps, bill pay, and more
  • Cell Phone Protection*
  • ID Theft Aid*
  • Health Savings Card*
  • Nationwide Merchant Discounts*
  • Low-balance fee waived for members with 10 or more debit card (non-ATM) transactions per month or more than $500 in direct deposit (total)
  • Low-balance fee and monthly service fee waived for account owners under 244
Meet these simple qualifications each month:
  • Use estatements7
  • Make 10 debit card swipes per month or have $1,000 average daily balance4

Choice

Checking that pays: monthly dividends plus ATM fee refunds. All in this no cost option.

  • Dividends up to 4.25% APY1
  • ATM Fee Refunds2
  • Free 24/7 access with online banking, mobile apps, bill pay, and more
  • Unlimited Check Writing
  • Low-balance fee waived for members with more than 20 debit card (non-ATM) transactions per month5
Must meet these simple qualifications each month:
  • Use estatements7
  • Make 20 debit card swipes per month or have $1,000 average daily balance6

Simple

Simply great checking with low fees and overdraft protection–plus it’s a no cost option.

  • Low Opening Balance
  • Unlimited Check Writing
  • Overdraft Protection
  • Free 24/7 access with online banking, mobile apps, bill pay, and more
  • Low-balance fee waived for members with 10 or more debit card (non-ATM) transactions per month or more than $500 in direct deposit (total)6
  • Low-balance fee and monthly service fee waived for account owners under 246
Must meet these simple qualifications each month:
  • Use estatements7
  • Make 10 debit card swipes per month or have $1,000 average daily balance6

Checking Benefits of BaZing

Simple Banking. Amazing Benefits. Only $4.99 per month.

Powered by BaZing.

When you open a Choice Plus or Simple Plus checking account, you gain the amazing benefits of BaZing. This includes deals at stores and restaurants in your area and across the country, along with other services like cell phone protection.7,8

Benefits

Roadside Assistance

Available 24/7 and free to use, up to $80 in service charges.

Cell Phone Protection7,8

Receive up to $400 per claim ($800 per year) if your cell phone is broken or stolen.

ID Theft Aid7,8

Includes payment card fraud resolution, $10,000 in personal identity theft benefits and ID monitoring9.

Shop Local, Save Local with BaZing Savings

Receive local discounts and national retailer deals to save you money on shopping, dining, travel and more.

$10,000 Travel Accidental Death Coverage8

Get peace of mind for the unexpected.

Pharmacy, Vision and Hearing Savings

Save money on prescriptions, eye exams, frames, lenses and hearing services.

BaZing fee: $4.99 per month.

7Cell phone protection and personal identity protection are subject to additional terms and conditions.

8Insurance products are not a deposit, not federally insured, not an obligation or guaranteed by the credit union, its affiliates, or any government agency.

9ID monitoring requires additional enrollment on BaZing.com.

Download our Comparison Chart

Account Disclosures

1APY = Annual Percentage Yield. La Cap Checking (Share draft) Accounts are variable rate accounts. La Cap may change the dividend rate for your account as determined by the credit union Board of Directors. Dividends are posted and compounded monthly. Minimum balance $1,000.00. Applicable fees and conditions could reduce the earnings on your account. Qualification to earn dividends: -20(Choice) / - 15 (Choice Plus) or more posted non-ATM debit card transactions per month: - 4.25% APY on balances up to but not exceeding $3,000 - 2.00% APY on balances over $3,000 and up to but not exceeding $10,000 - 0.10% APY on balances exceeding $10,000. If qualification stated is not met: - 0.10% APY on entire balance. Must meet criteria for opening a checking account.

2Foreign ATM fees are charged when accessing a La Cap account through another financial institution's ATM. By signing up for eStatements on your Choice Plus checking account, you can receive surcharge refunds of up to $25.00 per month on Foreign ATM fees. La Cap reserves the right to discontinue this feature at a future date.

3La Cap Choice Plus (Share Draft) accounts have a minimum balance requirement of $1,000.00 and a low balance fee of $8.00. If average daily balance drops below $1,000.00, a low balance fee of $8.00 will be assessed. Low balance fee will be waived if the following condition is met during that same month: - 15 or more posted non-ATM debit card transactions per month.

4La Cap Simple Plus (Share Draft) accounts have a minimum balance requirement of $1,000.00 and a low balance fee of $8.00. If average daily balance drops below $1,000.00, a low balance fee of $8.00 will be assessed. Low balance fee will be waived if one of the following conditions is met during that same month: - 10 or more posted non-ATM debit card transactions - Direct deposits of $500 or more (total) are made to the account. Low balance fee and monthly service fee waived for account owned by members age 24 and under.

5La Cap Choice (Share Draft) accounts have a minimum balance requirement of $1,000.00 and a low balance fee of $8.00. If average daily balance drops below $1,000.00, a low balance fee of $8.00 will be assessed. Low balance fee will be waived if the following condition is met during that same month: - 20 or more posted non-ATM debit card transactions per month.

6La Cap Simple (Share Draft) accounts have a minimum balance requirement of $1,000.00 and a low balance fee of $8.00. If average daily balance drops below $1,000.00, a low balance fee of $8.00 will be assessed. Low balance fee will be waived if one of the following conditions is met during that same month: - 10 or more posted non-ATM debit card transactions - Direct deposits of $500 or more (total) are made to the account. Low balance fee waived for account owned by members age 24 and under.

7A monthly service charge of $2.00 will be assessed for months when the account is enrolled in paper statements. A member may re-enroll in estatements at any time. Members ages 17 and under or ages 60 and over will not be assessed the $2 monthly service fee regardless of their eStatement status.


Fees

  • BaZing fee = $4.99 monthly. No waivers available. BaZing service and fee only applies to Choice Plus and Simple Plus accounts.
  • Monthly service fee = $2.00 monthly. Waivers are available as listed below.
    • This waiver is available for all La Cap checking accounts (Choice Plus, Simple Plus, Choice, Simple, Liquid Assets).

Any checking account enrolled in eStatements will receive a monthly service charge waiver of $2.00 per month while enrolled in eStatements. To sign up for eStatements, you must first be enrolled in Online Banking.

  • Simple and Simple Plus accounts have an additional waiver that applies to both the monthly service fee and the low balance fee.

Monthly service fee and low balance fee are waived on Simple and Simple Plus accounts owned by members age 24 and under.

  • Low balance fee = $8.00 monthly. Waivers are available as listed below.

    • La Cap Choice Plus (Share Draft) accounts have a minimum balance requirement of $1,000.00 and a low balance fee of $8.00. If average daily balance drops below $1,000.00, a low balance fee of $8.00 will be assessed. Low balance fee will be waived if the following condition is met during that same month: - 15 or more posted non-ATM debit card transactions per month.
    • La Cap Simple Plus (Share Draft) accounts have a minimum balance requirement of $1,000.00 and a low balance fee of $8.00. If average daily balance drops below $1,000.00, a low balance fee of $8.00 will be assessed. Low balance fee will be waived if one of the following conditions is met during that same month: - 10 or more posted non-ATM debit card transactions - Direct deposits of $500 or more (total) are made to the account. Low balance fee waived for account owned by members age 24 and under.
    • La Cap Choice (Share Draft) accounts have a minimum balance requirement of $1,000.00 and a low balance fee of $8.00. If average daily balance drops below $1,000.00, a low balance fee of $8.00 will be assessed. Low balance fee will be waived if the following condition is met during that same month: - 20 or more posted non-ATM debit card transactions per month.
    • La Cap Simple (Share Draft) accounts have a minimum balance requirement of $1,000.00 and a low balance fee of $8.00. If average daily balance drops below $1,000.00, a low balance fee of $8.00 will be assessed. Low balance fee will be waived if one of the following conditions is met during that same month: - 10 or more posted non-ATM debit card transactions - Direct deposits of $500 or more (total) are made to the account. Low balance fee waived for account owned by members age 24 and under.