Checking
Checking that's relevant to your lifestyle
Just because we all love cute puppies and the smell of newborn babies doesn't mean we're all the same. Our credit union checking accounts like Cha Ching™, MyMedia, MyChoice and MyMoney pay you rewards based on the things that matter to you.
Routing Number: 275978394
It's the sweet sound of money growing in your account from better than bank-like CD dividends.
MyMedia
Download that tear-jerker classic or binge watch your way to twenty-first century checking!
MyChoice
We're back to basics with this straightforward checking, like a good brat and Sunday football.
MyMoney
4% of purchases bounce back to you, so it literally keeps your money in your pocket.
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Cha Ching™
- 2.00% APY* on balances up to $25,000
- 0.25% APY* on amount of balance over $25,000
- 0.25% APY* on full balance if qualifications are not met
- Nationwide ATM fee refunds (up to $25)*
- No monthly service fee
- No minimum balance requirement
- Free Online Banking, Bill Pay and eStatements
- Overdraft protection
- No minimum deposit to open
- Loan discounts with active checking†
Qualifications
It's so easy to qualify for the full Cha Ching™ rewards that you're probably already doing it. Each month:
- Login to online banking at least once
- Sign up & receive free eStatements
- One ACH direct deposit post & clear; direct deposits of at least $400
- 12 debit card purchases of at least $5 or more per month
(Must be posted and cleared before 6pm on the last day of the month.)
That's it. And if you don't qualify one month, don't worry. There's never a penalty. You still earn dividends waaay above the national average. And you can get back to earning the highest rate and ATM fee refunds the very next cycle.
Rates & Fee Schedule / Personal Account Disclosures / Online Services
*Annual Percentage Yield (APY) accurate as of 3/18/2020. Cha Ching™ Checking rate tiers are as follows: 2.00% APY applies to balances of $0.01 - $25,000 and 0.25% APY applies to balances over $25,000 if qualifications are met during the monthly cycle. 0.25% APY applies to all balances if monthly qualifications are not met. All balances will earn 0.25% APY – 2.75% APY if monthly qualifications are met. Rates may change at any time. Fees may reduce earnings. Qualifying 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 $0. ATM fee reimbursements up to $25 provided only if qualifications are met within the monthly cycle.
**After four months of not qualifying, this account will be converted to a MyChoice checking account.
†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 withdrawals 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.
MyMedia
Earn credits for your Netflix®, Hulu®, Spotify®, iTunes® and Amazon® downloads every month. Plus, you get up to $10 in ATM fee refunds when you use your debit card.
- Up to $5 monthly credit for Netflix®, Hulu®, Spotify®, iTunes® or Amazon.com® downloads*
- Up to $15 one-time credit for downloads at signup*
- Nationwide ATM fee refunds (up to $10 per monthly cycle)*
- No monthly service fee
- No minimum balance requirement
- Free Online Banking, Bill Pay and eStatements
- Overdraft protection
- No minimum deposit to open
Qualifications
It's so easy to qualify for the MyMedia Checking rewards, we might as well just ask you to spell "cat" and call it a day. Simply do the following each monthly cycle:
- Login to online banking at least once
- Receive free eStatements
- Have 12 debit card purchases of at least $5 post and clear
(Must be posted and cleared before 6pm on the last day of the month.)
That's it. And if you don't qualify, don't worry. There's never a penalty. You still have free checking and you can get back to earning the downloads and ATM fee refunds the very next cycle.
MyChoice
With MyChoice, you can pay an $8 monthly fee or easily eliminate all or just part of it by doing simple things, like getting eStatements instead of mailed paper statements. And if you're 23 or younger, you can skip the service fee altogether, because we get that you're just starting out.
- No minimum deposit to open
- Overdraft protection
- Maintain daily balance of $500 or more to waive $8 monthly service fee*
Reduce/eliminate monthly service fee by doing the following:
- Reduce by $2 for receiving free eStatements
- Reduce by $2 for having a direct deposit of at least $400
- Reduce fee by 20¢ per debit card purchase of at least $5 until fee is eliminated
(Must be posted and cleared before 6pm on the last day of the month.)
Rates & Fee Schedule / Personal Account Disclosures / Online Services
*The monthly fee for this account is $8 (waived for members age 23 or younger). This fee may be reduced by doing the following during the monthly cycle: $2 reduction in fee for enrolling in and receiving electronic statements, $2 reduction for 1 direct deposit of at least $400, and $0.20 reduction in fee for each posted and cleared debit card purchase of at least $5. Qualifying 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. Minimum to open account is $0.
MyMoney
This free checking account pays you cash back, just for making the same purchases you would make anyway.
- 4% cash back on debit card purchases*
- No category restrictions on cash back purchases
- No monthly service fee
- No minimum balance requirement
- Free Online Banking, Bill Pay and eStatements
- Overdraft protection
- No minimum deposit to open
Qualifications
Qualifying for the 4% cash back is easy. Simply do the following each monthly qualification cycle:
- Have at least 12 debit card purchases of at least $5 post & clear your account
(Must be posted and cleared before 6pm on the last day of the month.) - Login to Online Banking at least once
- Receive free eStatements
- Have 1 ACH direct deposit post & clear; direct deposits of at least $400
Reward Tiers
Each cycle you meet the qualifications, you get 4% cash back on debit card purchases up to an amount based on your average daily balance.
| Average Monthly Balance | 4% Cash Back on Total Purchases Up To | Maximum Cash Back Reward |
|---|---|---|
| $0 - $2,499.99 | $100 | $4 |
| $2,500 - $4,999.99 | $250 | $10 |
| $5,000 - $14,999.99 | $500 | $20 |
| $15,000 and over | $750 | $30 |
Rates & Fee Schedule / Personal Account Disclosures / Online Services
*Qualifying 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 $0.
**After four months of not qualifying, this account will be converted to a MyChoice checking account.