Digital Banking new upgrade.

Digital Banking

A secure and convenient way to manage your money from anywhere. Access our digital banking platform on your desktop computer or your mobile device. 












Do more on the go

Experience Digital Banking

Whether you like to use a desktop computer or are always on the go, we've got you covered by making your money management simple, seamless and secure. 
 
 

Download Our App

App Store download icon.
Google Play Store download icon.

 
Your First Time Log In Experience
  1. Enter Username and Password
  2. Reset Password Prompt
    • You’ll be prompted to create a new password.
    • Select “for myself” or “as a business” member.
  3. Verify Identity
    • Identity verification is required to proceed.
    • Enter basic personal (or business) information only you know.
  4. Multi-Factor Authentication (MFA)
    • Authenticate using MFA, with options including SMS or a phone call.
    • Authenticator apps offer enhanced security and can be set up after your first login for future use.
  5. Set New Password
    • Set your new, secure Digital Banking password.
  6. Review Disclosures
    • With your successful Log In you will be presented with Disclosures and new ways to secure your accounts, such as Digital ID (which can be set up later too).
  7. Enjoy & Explore!
    • Navigate around all the new Digital Banking experience to discover the new features, tools and alerts – all designed to help you manage your finances.


Key Features


ACCOUNT ACTIVITY

couple, lady holding her phone and credit card.

Stay connected to your goals with an Account Activity dashboard designed for clarity and control.
  • View all accounts: See your full financial picture in one place.
  • Check balances: Instantly view current balances.
  • Review transactions: Track deposits, withdrawals, and payments.
  • View history: Monitor your spending and saving over time.
  • Add account names: Organize with custom account names.
  • Reorder accounts: Arrange accounts your way.
  • Change view: Personalize how your accounts are displayed.

CREDIT SCORE MONITORING

Capital credit score screen.

Monitor your credit and stay in control with our easy-to-use tool.

  • Access Anytime: Check your score whenever you need.
  • Personalized Tips: Get guidance to boost your credit.
  • Real-Time Alerts: Stay updated on important changes.
  • Credit Education: Learn how your score works.
  • Member Offers: Unlock special credit union deals.
  • Product Recommendations: Find products that match your goals.

ADVANCED SECURITY

man smiling and writing, looking at the screen.

Your security matters to us. Enjoy peace of mind with these advanced protections:

  • Biometrics Capability: Log in easily and securely with fingerprint or facial recognition.
  • Two-Factor Authentication: Extra identity verification to keep your accounts safe.
  • Secure Access: Robust encryption and 24/7 monitoring for trusted financial transactions.

REMOTE CHECK DEPOSITS

Remote checks.

Enjoy secure, simple remote check deposits—making banking easier for you.

  • Deposit Anytime, Anywhere: Use your smartphone to deposit checks 24/7.
  • Save Time: No branch visits needed; deposit from home in minutes.
  • Protected: Advanced security keeps every deposit safe.
  • Effortless: The app guides you every step.

DIGITAL PAYMENTS

man touching his phone.

Manage your money with ease using our digital payment tools:
  • BillPay: Set automatic recurring payments for monthly bills.
  • Schedule Payments: Pay ahead by scheduling in advance.
  • Zelle®: Quickly and securely send money to friends and family.

REAL-TIME ALERTS

woman holding her phone, with Capital's key features on the screen.

Keep track of your money effortlessly with real-time alerts delivered by email or push notification.

  • Transaction Alerts: Instant notifications for account activity.
  • Balance Updates: Alerts when your balance crosses your set limits.
  • Loan Due Reminders: Timely reminders for upcoming loan payments.
  • Daily Balance Summary: A daily overview of your account balance.






































Debit Card Controls

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Managing your debit card just got a whole lot easier with MyCards. 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.
middle aged man looking at his phone .

Capital, MyCards controls and alert screenshot.click to enlarge

Manage Cards On the Go

Stay aware and be in control of your cards through real-time alerts and purchase control preferences. Self-service options, including card controls and alerts, let you decide when, where and how your cards are used.
MyCards screenshot of spend insights.click to enlarge

Real-Time Enriched Transactions

View complete purchase information, for both pending and processed transactions, with enriched transaction data like merchant name, location, contact details and more.
MyCards screenshots - enabling transactions control screen.click to enlarge

Understand Spending Clearly

It's easy to track where your card is being used - review spending by category, view merchants set up with reoccurring payments and access detailed visual spend history.
Capital Card - digital wallet snapshot.click to enlarge

Digital Wallet

Add your cards to your digital wallets right from MyCards and have access to your card detail whenever Apple Pay® and Google Pay® are not available.











More Information About Mobile App Features

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Grab your phone, take a picture, and deposit a check using our mobile app. 
  • 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 app choose Deposits 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 designated endorsement area, write the following: For Mobile Deposit Only at Capital CU
  5. Sign it
  6. Select the account you would like the check deposited in and enter the check amount.
  7. Capture Image of check (front and back) and hit Deposit.
  • Get advanced security features, like multi-factor authentication on each login 
  • Use biometric login (face and fingerprint ID) on supported devices
  • Set up security questions/answers for another layer of protection