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La Capitol FCU Choice Plus Checking
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Checking Accounts from La Capitol Federal Credit Union
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La Capitol FCU Choice Plus Checking
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1 reviews
| Community Rating |
Rating not yet determined |
| Cashback Rewards | N/A |
| APY (Annual Percentage Yield) | 0.1% - 4.25% |
| Monthly Fee | $0 - $8 |
| Minimum Balance to Avoid Monthly Fee | Starting at $1,000 |
La Capitol FCU Choice Plus Checking Review
La Capitol FCU Choice Plus Checking is offered by La Capitol Federal Credit Union, a credit union founded in 1961 and based in Baton Rouge, LA. La Capitol FCU Choice Plus Checking are available in 1 state across the USA.
Key Takeaways
- Very high annual percentage yield (APY). This account offers an annual percentage yield of up to 4.25%, which is much higher than the average for a checking account.
- Charges a monthly fee. This account charges a monthly service fee of up to $8, but the fee is waived if you keep a minimum balance of $1,000 or have a monthly direct deposit of $500.
- No ATM fees. La Capitol FCU Choice Plus Checking does not charge fees on ATM transactions.
- Up to $25 in ATM fee rebates. This account will reimburse you for ATM fees (see terms and conditions for details).
- Bill pay. Pay your bills to practically anyone in the United States through La Capitol Federal Credit Union.
La Capitol checking account Pros & Cons
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La Capitol checking account FAQ
Are checking accounts from La Capitol Federal Credit Union federally insured?
No, your La Capitol Federal Credit Union checking accounts are not insured by a federal insurance agency. This means that if La Capitol Federal Credit Union were to fall into financial difficulties, your deposits are not covered by a government-backed insurance fund like the FDIC or NCUSIF.
What APY does La Capitol checking account offer?
La Capitol checking account offers an APY starting at 0.1% and ranging up to 4.25% (APY stands for annual percentage yield, rates may change).
| Rates | Amount |
|---|---|
| APY (Annual Percentage Yield) | 0.1% - 4.25% |
What are the account minimums for La Capitol checking account?
La Capitol checking account requires a minimum initial deposit of $50 to open an account.
| Description | |
|---|---|
| Minimum Opening Deposit | Starting at $50 |
| Minimum Balance to Avoid Monthly Fee | Starting at $1,000 |
| Minimum Direct Deposit to Avoid Monthly Fee | Starting at $500 |
What fees does La Capitol checking account charge?
This account charges a monthly service fee of up to $8.
| Description | |
|---|---|
| Monthly Fee | $0 - $8 |
| ATM Fee: In-Network | $0 |
| ATM Reimbursement Monthly Limit | $25 |
| NSF Fee | $30 |
| Overdraft Item Fee | $30 |
| Overdraft Protection Fee (per transfer) | $10 |
| Returned Deposit Fee (Domestic) | $10 |
| Stop Payment Fee | $30 |
| Wire Transfer Fee - Domestic (Incoming) | $15 |
| Wire Transfer Fee - Domestic (Outgoing) | $20 |
| Wire Transfer Fee - International (Incoming) | $15 |
| Wire Transfer Fee - International (Outgoing) | $40 |
| Paper Statement Fee | $2 |
| Online Bill Pay Fee | $0 |
| Debit Card Replacement Fee | $10 |
Does La Capitol checking account charge overdraft fees?
Yes, La Capitol checking account charges a $30 fee for every overdraft. You can get overdraft protection at a cost of $10 per transaction.What features and perks does La Capitol checking account offer?
This account includes the following features:
- ATM rebates - This account will reimburse you for any domestic ATM fees up to a monthly maximum of $25.
- Fraud monitoring - La Capitol checking account monitors transactions for potentially unauthorized activity, such as when a debit card is unexpectedly used in a different location or you make a sudden string of costly purchases.
- Online Bill Pay - Online Bill Pay allows you to pay bills easily from your account.
- Mobile Banking Services - La Capitol checking account allows you to manage your money online or with a mobile app. This includes depositing checks in your account with a mobile app on your smartphone.
What is the customer support email for La Capitol checking account?
The customer support email for La Capitol checking account is marketing@lacapfcu.org.
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Message From La Capitol checking account
Contact
- Headquarters
-
700 Main St
Baton Rouge, LA 70802 USA - Visit Site
- Email Support
Other Services by La Capitol Federal Credit Union
Availability
Available in 1 state
Louisiana
Availabile in all of Louisiana
Feature Breakdown
| Minimum Opening Deposit | Starting at $50 |
| Minimum Balance to Avoid Monthly Fee | Starting at $1,000 |
| Minimum Direct Deposit to Avoid Monthly Fee | Starting at $500 |
La Capitol FCU Choice Plus Checking Community Reviews
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