Checking Accounts

Simple

Our Most Popular Account.

Simply great checking with low fees and courtesy pay–no cost option available.

  • No Cost Option Available1,2
  • Courtesy Pay
  • Free 24/7 access with online banking, mobile apps, bill pay, and more
No Cost Option - Meet these simple qualifications each month:
  • Use estatements1
  • Make 10 debit card swipes per month or have $1,000 average daily balance2

Choice

Our Most Complete Account

Checking that pays: monthly dividends plus ATM fee refunds–no cost option available.

  • No Cost Option Available1,5
  • Dividends up to 4.25% APY3
  • ATM Fee Refunds4
  • Free 24/7 access with online banking, mobile apps, bill pay, and more
No Cost Option - Meet these simple qualifications each month.
  • Use estatements1
  • Make 15 debit card swipes per month or have $1,000 average daily balance3

Add BaZing

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

  • Roadside Assistance
  • Cell Phone Protection6,7
  • ID Theft Aid8
  • Shop Local, Save Local with BaZing Savings
  • 10,000 Travel Accidental Death Coverage7
  • Pharmacy, Vision and Hearing Savings

Learn More

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.6,7

Benefits

Roadside Assistance

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

Cell Phone Protection6,7

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

ID Theft Aid8

Includes payment card fraud resolution, $10,000 in personal identity theft benefits and ID monitoring8.

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 Coverage7

Get peace of mind for the unexpected.

Pharmacy, Vision and Hearing Savings

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

All Accounts

1A paper statement fee 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.


Simple

2La 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 and monthly service fee waived for account owned by members age 24 and under.

Pay-a-Friend (P2P) transfers do not qualify as Point of Sale (POS) transactions towards the debit card swipe requirements on your La Cap checking account(s).


Choice

3APY = Annual Percentage Yield. La Cap Choice 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. Applicable fees and conditions could reduce the earnings on your account. Qualification to earn dividends: - 15 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.

4 Foreign ATM fees are charged when accessing a La Cap account through another financial institution's ATM. By signing up for eStatements on your Choice or 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.

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: - 15 or more posted non-ATM debit card transactions per month.

Pay-a-Friend (P2P) transfers do not qualify as Point of Sale (POS) transactions towards the debit card swipe requirements on your La Cap checking account(s).


BaZing

BaZing fee: $4.99 per month.

6Cell phone protection and personal identity protection are subject to additional terms and conditions.

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

8Activation for this benefit is required. To activate identity monitoring, please go to www.bazing.com, click on the Protection Category and follow the easy sign-up steps.