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Checking

Want a checking account that is as unique as you? 
This isn't just a checking account, it's a smarter way to manage your financial world. Designed to pay you back, reward your loyalty, and grow with your hard work. With perks that pay you back and help you earn more, we've created checking tailored to you—because at Capital Credit Union, we believe in investing in those who are building their futures.

Northeast WI Signature Cha Ching Checking at Capital Credit Union

Cha-Ching™

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. Check out our ChaChing™ checking if you want your money to work as hard as you do with a great rate on balances up to $15,000!



Northeast WI Signature Cha Ching Checking at Capital Credit Union

MyDebit Rewards

Choose the Rewards that work best for you. With Streaming or Cash Back options—you're in control of your money working for you. This account offers monthly credit towards streaming services or cash back on debit card purchases each month.



Ready for cash rebates? Northeast WI Captial Credit Union's MyMoney Debit Cards make it happen.

MyChecking

We're back to basics with this straightforward checking account. With no monthly service fee and no qualifications, this is the perfect choice for anyone who just wants a simple checking account. 



Fresh Start Checking from Capital Credit Union lets you hit the reset button

Fresh Start

Are you ready to hit the reset button on your financial journey? Say hello to Fresh Start Checking – your pathway to financial freedom and peace of mind.
































 Checking Rewards MyChecking Mydebit rewards - streaming Mydebit rewards -
cash back		 Cha-ChingTM
Loan Discount** with Active Checking
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No Monthly Service Fee  checkmark icon checkmark icon checkmark icon checkmark icon
$1 to Open checkmark icon checkmark icon checkmark icon checkmark icon
Debit Card Included§ checkmark icon checkmark icon checkmark icon checkmark icon
Digital Banking Access checkmark icon checkmark icon checkmark icon checkmark icon
Receive Monthly Credit towards Streaming Services‡
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1%  Cash Back on up to $1,000 in Debit Card Purchases

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Nationwide ATM Fee Refunds+


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High Yield Interest on Qualifying Balances


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Qualifications
  • None for this Account
  • 10 Monthly Debit Transactions†
  • of $10/Month
    OR
    $500 Total Monthly Debit Card Spend
  • $100 Average Minimum Daily Balance
  • E-Statements
  • Direct Deposit
  • 10 Monthly Debit Transactions†
  • of $10/Month
    OR
    $500 Total Monthly Debit Card Spend
  • $100 Average Minimum Daily Balance
  • E-Statements
  • Direct Deposit
  • 15 Monthly Debit Transactions† of $10/Month
    OR
    $500 Total Monthly Debit Card Spend
  • E-Statements
  • Direct Deposit
**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.
+Up to $10 per checking account at the end of the month; maximum of two ChaChing™ account per membership share.
† Debit card transactions can be made by signature or Point-of-Sale (using a PIN to make a purchase at a merchant). Must post and clear account by 6pm on the last day of the month.
‡ Features: Earn up to $10 monthly reward for covered streaming services such as Netflix®, Hulu®, Spotify®, Apple®, Disney+®, Peacock®, Paramount+®, or Amazon® Media purchases. Streaming purchases
must be made with your debit card associated with your MyDebit Rewards -Streaming Checking account. Account closure prior to end of statement cycle forfeits rewards for that statement cycle.
§ Additional fees may apply. Speak with a Member Service Representative for more details.
 
Membership Eligibility Required. Federally Insured by the NCUA.










The all-in-one money app for families.



Child holding a Greenlight debit card.
Set your family up for financial success, on us!
FREE* for members of Capital Credit Union
Chores and allowance
Assign chores and jobs in the app - and link them to allowance.
(Or not, it's up to you!)
Debit card for kids and teens
Teach smart spending with a card of their own and get real-time notifications
Money management
Send money instantly, manage chores and allowance, set up direct deposit and more


Connect with us

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Schedule an appointment
Select the date, time, and location that works best for you to meet with us.

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Text us at 920.789.2464
Send in a message for a quick response from one of our team members.

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Call us at 920.494.2828

Give us a call to talk with one of our local Contact Center representatives.

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Visit us at any branch
Find the branch location closest to you and stop in for some popcorn.
 
 
 
Additional features

Level up your Checking Account


A direct line to checking whenever you need it.

A debit card is a constant connector with your checking account. Making a quick grocery run and don't have cash? Use your debit card at the register, and the purchase will come straight from checking.
Use your debit card for:
  • In store purchases where Visa® is accepted
  • Getting cash at an ATM
  • Online purchases 
Get your card instantly at any of our branch locations.
Any of our branches can print a debit card for you the same day you open your account.
Forgot your PIN?
If you forgot your PIN on our debit or ATM card, you can call 800.992.3808 for assistance.

The thinkless way to save

Ever wish saving would be automatic? BOOM. It can be. ChangeUP automatically rounds your debit purchases to the next dollar. At the end of the day, all the change from debit purchases that have cleared your account get totaled and deposited in a savings account of your choice or our Member's Choice Certificate. If you use your debit card fairly regularly, those savings can really add up!

HOW IT WORKS

You go to the gas station in the morning and pay $35.02 to fill up.(+0.98)
Then later you grab lunch at your favorite cafe for $12.64.(+0.36)
On your way home from work you swing by the store for some last minute items and spend $25.75.(+0.25) 
At the end of the day, ChangeUP transfers $1.59 to savings. (Assuming all of the purchases have cleared your account.)
If every day were like today, you could save $11.13 that week, or $578.76 for the year. A little saving can go a long way!

READY TO GET STARTED?

You'll need a Capital Credit Union Checking account* to use ChangeUp. 
*ChaChing™, Fresh Start, MyChecking, MyChoice, MyDebit Rewards- Streaming, MyDebit Rewards Cash Back, Business Elite, Business Premium, and Business Organization 

KEEP TABS ON YOUR DEBIT CARD

Managing your debit card just got a whole lot easier! MyCards allows you to turn your debit card on and off, set alerts based on your specific preferences, and report your card lost or stolen right within Digital Banking. It's one more tool to help protect yourself against fraud anytime, anywhere.

  • Protect yourself
    Get mobile alerts whenever your card is used
  • Track Card Use
    Review card usage history and transaction details
  • Set Limits
    Set customized purchase controls to help manage spending

    You will need Digital Banking to enroll for MyCards. Disclosures provided upon service enrollment. 


  • Deposit checks into your account with your Android™ or Apple™ phone or tablet.
  • Transactions are encrypted and secure with password protection.
  • To enroll - log into Digital Banking and choose Deposit in either the right menu or the bottom menu.

Mobile check deposits confirmed as received before 4 PM Central Time on a business day will be credited to your account on the same business day. Deposits confirmed received after 4 PM and deposits confirmed received on holidays or days that are not our business days will be credited to your account on the next business day after the deposit is made. A longer delay in crediting your account may take place if Capital  CU deems the delay is warranted (collectability or legitimacy questions, etc.) You will be notified should longer delays apply. 

How to Make A Mobile Check Deposit

  1. If you haven't already, download Capital Credit Union's mobile app to your phone or mobile device and enroll in Digital Banking.
  2. In the main menu, click Deposits, or select Deposits in the bottom banner of the app.
  3. If this is your first time using Mobile Check Deposit, read and accept the agreement. 
  4. On the back of your check, in the endorsement area:
    • Write "For Mobile Deposit Only"
    • Sign it
  5. Select the account you would like the check deposited in and enter the check amount.
  6. Capture Image of check (front and back) and hit Deposit.
Click the link to reorder your checks online. Delivery time can take 4-6 weeks.















































*Offer ends 5/13/2027. Capital Credit Union members are eligible for the Greenlight SELECT plan at no cost when they connect their Capital Credit Union account as the Greenlight funding source for the entirety of the promotion. Subject to minimum balance requirements and identity verification. Upgrades will result in additional fees. Upon termination of promotion, customers will be responsible for associated monthly fees. See terms for details. Offer subject to change and partner participation. The Greenlight® prepaid card is issued by Community Federal Savings Bank, member FDIC, pursuant to license by Mastercard International. The funds underlying the Card Account are FDIC-insured up to $250,000.Membership Eligibility Required. Terms and Conditions Apply. Capital Credit Union is federally Insured by the NCUA.