Digital Banking Upgrade
Digital Banking Upgrade 2025
Making your money management simple, seamless and secure is another way Doing the Right Thing influences all we do. We're very pleased to share that with this August's Upgrade, you'll have access to 'next-level' intuitive Digital Banking tools and enhancements.
Can I download the new app?
The Capital CU new app, (identified as shown here), is now available in the App Store and Google Play. You are welcome to download it, do your First Time Log In and explore the new Digital Banking environment.
.png)
The new desktop access is now available. Find it from the Log In button on our Home Page, or bookmark the link below:
Your First Time Log In Experience
- Enter Username and Password
- Reset Password Prompt
- You’ll be prompted to create a new password.
- Select “for myself” or “as a business” member.
- Verify Identity
- Identity verification is required to proceed.
- Enter basic personal (or business) information only you know.
- 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.
- Set New Password
- Set your new, secure Digital Banking password.
- 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).
- 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.
FAQs
Will scheduled transfers I have set up in my current Digital Banking carry over?
Yes, all your existing, scheduled or reoccurring transfers will go out as planned. Only new transfers are paused at this time.
Will I need to download a new app?
For iOS Apple users, if you're already using the Captial CU app, and have auto-update turned on, it will automatically update as the App Store releases it on Monday.
Android users will need to delete the old app and download the new app.
When the new app is released, the link will be available on this Upgrade page and also found by going directly to the App Store or Google Play Store.
The new app will say Capital CU under the logo.
What features will stay the same?
Along with exciting additions, you’ll also see familiar favorites, like; Bill Pay, Zelle®, MyCards, eStatements and Credit Score Financial Tools. Also, if you apply for a new loan or open a new account within Digital Banking, you’ll still have the ease of all systems ‘recognizing you’ and what you want to do.
Will Bill Pay info carry over?
Yes. Bill Pay will work and remain the same; all data/payees and scheduled payments will continue.
Will the Digital Banking alerts I have already set up carry over?
These alerts WILL NOT carry over. Your first Log In is the perfect time to get your alerts set up. Plus, now, you’ll have an option for push alerts. Push alerts work with your mobile device and send your account alerts to your Notification or Locked Screen view. Setting up these alerts is an excellent way to monitor and protect against fraud.
How about the alerts I have set up for my cards?
MyCards (aka CardHub) alerts will remain as you have them set up.
Will I still have access to Zelle®?
Yes, the convenience of Zelle® features will remain within your Digital Banking experience. Continue to send fast, secure payments to and from friends and family with just an email or phone number. All your Zelle history, including transactions and controls, will be visible too.
How will this affect external financial apps that I’ve linked to?
If you’ve linked to budgeting, accounting or other ‘outside accounts’ from your Capital CU Digital Banking, you’ll need to relink your Capital CU accounts in the new Digital Banking.
How to prepare: Quicken/QuickBooks/Credit Karma, etc.
Before August 7, 2025, we encourage you to back up and do a final download to record your past transactions. Note: we are working with each of these services, but there may be a delay of up to 30 days for them to recognize our new Digital Banking information. During that time, we recommend that you download a manual file until the reconnection to these systems is complete.
Will my account nicknames carry over?
Yes, any nicknames you’ve created for your Capital CU accounts, sub accounts or loans will show up right away. You will also be able to color code your accounts, reorder them, and show/hide based on your preferences.
How will this affect my Capital Credit Union Business or Treasury Management Accounts?
Great news our Business Accounts will have enhanced services such as robust reports and a streamline interface.
For our Treasury Management members, please refer to these additional FAQs.
For our Treasury Management members, please refer to these additional FAQs.
We're Here to Help You
.svg)
Here are just a few features to look forward to:
NEW ENHANCEMENTS
- Significant improvements in speed and agility. (Android users, we hear you. Better app experiences are coming!)
- Detailed transaction information that’s clear and easy to see.
- Real-time push notifications and alerts to enhance your account monitoring and security.
- Robust Remote Deposit Capturing abilities.
- Integrated Capital Credit Union credit card information.
- Tailored views with the ability to show, hide and reorder accounts.
- Plus, much more!
EXISTING FAVORITES
- Credit score and financial management tools provided by Savvy Money.
- Through one secure portal you can use Bill Pay to send payments from your Capital CU account to anywhere you need to.
- Use Zelle® to send fast, secure payments to and from friends and family with just an email or phone number.
- 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.
HELPFUL HINT >> Set and check your Account Alerts
After launch, make sure all your general banking alerts are fine tuned. Real time alerts provide in-the moment visibility – a primary method to monitor your accounts against fraud activity.
To Access Alerts (Desktop)
1. Log In to the Digital Banking.
2. Go to Tools & Services > Alert Settings.
To access Alerts (Mobile)
1. In the app, tap Menu (three stacked lines)
2. Tap Tools & Services.
3. Tap Alert Settings.
After the Alerts page opens, you'll see all the available alerts options that you can control.
After launch, make sure all your general banking alerts are fine tuned. Real time alerts provide in-the moment visibility – a primary method to monitor your accounts against fraud activity.
To Access Alerts (Desktop)
1. Log In to the Digital Banking.
2. Go to Tools & Services > Alert Settings.
To access Alerts (Mobile)
1. In the app, tap Menu (three stacked lines)
2. Tap Tools & Services.
3. Tap Alert Settings.
After the Alerts page opens, you'll see all the available alerts options that you can control.
To complement access to our team members at our dozens of Branches, and through our Contact Center and Digital Services, providing you with powerful Digital Banking tools for on-the-go access is part of our vision, "To inspire financial well-being for all through access, care and collaboration." We can’t wait to collaborate with you in August!
Stay tuned as we continue to provide updates and information.