Cha-Ching™
Checking Built to
Help You Thrive!
Checking Built to
Help You Thrive!
It's about your money. making money!
We don't offer just average checking accounts. We offer checking accounts that offer smart rewards that pay you back and help grow your money. Let's find out together and discover if ChaChing™ Checking is right for you.
You're looking to earn money on the funds in your checking account.A frequent user of your debit card.
You are looking to get reimbursements on ATM fees.Willing to enroll in direct deposit and receive eStatements to maximize your earnings?You are looking for an account that offers unlimited deposits and withdrawals.
Our Members Earn More
Your money should work as hard as you do.With ChaChing™ Checking, you’re not just getting a place to keep your cash—you’re unlocking a smarter way to save, spend, and thrive. This isn’t just a bank account. It’s your partner in progress, designed to help you build a brighter financial future without missing a beat.
Open ChaChing™ Checking
You work hard. We make it easy for your money to work hard too!
| Average Daily Balance | Interest Earned After ONe Month | Interest Earned After One Year |
|---|---|---|
| $15,000 | $53.13 | $637.50 |
| $10,000 | $35.42 | $425 |
| $5,000 | $17.71 | $212.50 |
| $2,500 | $8.85 | $106.25 |
| $1,000 | $3.54 | $42.50 |
| $500 | $1.77 | $21.25 |
Note: Examples are approximate estimations and not based on compounding balances.
Nationwide ATM fee refunds (up to $10).
No monthly service fee or minimum balance requirement.
Digital Banking which includes Online Bill Pay and eStatements.
Optional overdraft protection.
Minimum opening deposit of $1.
Loan rate discounts with active checking.†
Check out our blog
Capital Off the Cuff
.svg)
Traditional vs. High-Yield Checking Account: Which Is Right for You?
Compare the features, pros, and cons of traditional vs. high-yield checking accounts to determine which suits your financial needs and goals best.
How to Open a Checking Account Online
Discover the simple steps for opening a checking account online, and explore expert tips so you can find the best checking account for you. Get started today!
Are There High-Interest Checking Accounts?
A high-interest checking account could be a great tool for helping you reach your financial goals. Learn more about how these checking accounts work and how you could benefit from one.*Annual Percentage Yield (APY) accurate as of Rates effective 2/1/2025. ChaChing™ Checking rate tiers are as follows: 4.25% APY applies to balances of $0.01 - $15,000 and 0.15% APY applies to balances over $15,000 if qualifications are met during the monthly cycle. No interest is earned if qualifications are not met. Rates and APYs may change after the account is opened and fees may reduce earnings.
**Comparison based on Capital Credit Union 4.25% APY as of Rates effective 2/1/2025 versus .07 the national average checking accounts that earn interest sourced from FDIC National Rates and Rate Cap as of 01/21/2025.
†0.50% loan discount on vehicle and personal loans requires an active checking account with at least $400 in deposits each month and 12 transactions of $5 or more during the month. $2,500 minimum new loan money or additional $2,500 to any existing Capital Credit Union loan required.
‡Qualifying purchase transactions must post and clear the account during the monthly cycle. Transactions may take one or more business days from the transaction date to post to an account from the date the transaction is made. Debit card purchase transactions can be made by signature or Point-of-Sale (using a PIN to make a purchase at a merchant).
Transfers between Capital accounts do not count as qualifying ACH transactions. Minimum to open account is $1. ATM fee reimbursements up to $10 provided only if qualifications are met within the monthly cycle.
Maximum of 2 ChaChing™ accounts per membership share.
**Comparison based on Capital Credit Union 4.25% APY as of Rates effective 2/1/2025 versus .07 the national average checking accounts that earn interest sourced from FDIC National Rates and Rate Cap as of 01/21/2025.
†0.50% loan discount on vehicle and personal loans requires an active checking account with at least $400 in deposits each month and 12 transactions of $5 or more during the month. $2,500 minimum new loan money or additional $2,500 to any existing Capital Credit Union loan required.
‡Qualifying purchase transactions must post and clear the account during the monthly cycle. Transactions may take one or more business days from the transaction date to post to an account from the date the transaction is made. Debit card purchase transactions can be made by signature or Point-of-Sale (using a PIN to make a purchase at a merchant).
Transfers between Capital accounts do not count as qualifying ACH transactions. Minimum to open account is $1. ATM fee reimbursements up to $10 provided only if qualifications are met within the monthly cycle.
Maximum of 2 ChaChing™ accounts per membership share.