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Cha Ching

It's the sweet sound of money growing in your checking account with our highest dividend rate available. It's so easy to qualify for the full Cha Ching™ rewards that you're probably already doing it. Open today and you will be on the road to earning awesome dividends and receiving ATM fee refunds!

Well, with perks this good

our favorite checking account

A good thing should always be shared! Check out why Cha Ching is one of our most popular checking accounts with all the benefits below. Plus, start earning your 4.00% APY* and earn 20x more than the bank industry average.**
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Sign up & receive free eStatements

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One ACH direct deposit of at least $400 post per month

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12 debit card purchase transactions of at least $5 per month
(Must post and clear before 6pm on the last day of the month)

That's it. And if you don't qualify* one month, don't worry. You can get back to earning the highest rate and ATM fee refunds the very next cycle.

Earn more in a month, than you would in an entire year at most big banks.

Average Daily Balance Interest Earned After ONe Month Interest Earned After One Year
$15,000 $50 $600
$10,000 $33.33 $400
$5,000 $16.67 $200
$2,500 $8.33 $100
$1,000 $3.33 $40
$500 $1.66 $20
Note: Examples are approximate estimations and not based on compounding balances.
Capital ChaChing account compared to the national average graph.

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Nationwide ATM fee refunds(up to $15*).
dollar bills and coins
No monthly service fee or minimum balance requirement.
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Digital Banking which includes Online Bill Pay and eStatements.
piggy bank
Optional overdraft protection.
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Minimum opening deposit of $1.
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Loan rate discounts with active checking.

Not a member yet? You can open a savings account right along with a Cha Ching checking account online. 
Not finding the right account? We've got other options. 

*Annual Percentage Yield (APY) accurate as of Rates effective 5/1/2023. Cha Ching™ Checking rate tiers are as follows: 4.00% 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. 0.01% APY applies to all balances if monthly qualifications are not met. All balances will earn 0.01% APY – 4.00% APY if monthly qualifications are met. Rates and APYs may change after the account is opened and fees may reduce earnings. 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. Transfers between Capital accounts do not count as qualifying ACH transactions. Minimum to open account is $1. ATM fee reimbursements up to $15 provided only if qualifications are met within the monthly cycle.
**Comparison based on Capital Credit Union 4.00% APY as of 9/01/2023 vs.20 the bank national average checking rate as of 9/1/2023 sourced from National Association of Federal Credit Unions in cooperation with SNL Financial and Datatrac Corp.
0.50% loan discount on vehicle and personal loans requires an active checking account with at least $400 in direct 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.
Debit card purchase transactions can be made by signature or Point-of-Sale (using a PIN to make a purchase at a merchant).
Maximum of 2 Cha Ching™ accounts per membership share.

Check out our blog

Capital Off the Cuff

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Have you ever wondered how much money you should keep in your checking account? We can help you figure that out. The team at Capital Credit Union helps members open and manage their checking accounts in Wisconsin every day. 
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As kids, we all loved the sound of shiny new coins being dropped into our piggy banks. Cha Ching! Knowing that we had a little something to spend on candy or for a bigger toy or a special event, if we were saving up, gave us a sense of pride and anticipation.
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Having a Capital checking account comes with knowing your money is securely stored and insured and the benefits of an account that is member centered. Learn more.