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  La Capitol Federal Credit Union Choice Plus Checking

La Capitol Federal Credit Union Choice Plus Checking

in Checking Accounts from La Capitol Federal Credit Union

Unaffiliated

La Capitol Federal Credit Union Choice Plus Checking

Unaffiliated

in Checking Accounts from La Capitol Federal Credit Union

Net Recommendation Score +100

SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly recommended by SuperMoney users with a score of +100, equating to 5 on a 5 point rating scale.

+100

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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Highlights
Community Rating

Rating not yet determined  

Monthly Fee $0 - $8
ATM Fee: Out-of-Network N/A
Minimum Balance to Avoid Monthly Fee $1,000
APY (Annual Percentage Yield) 0.1% - 4.25%

La Capitol Federal Credit Union Choice Plus Checking Review

La Capitol Federal Credit Union 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 Federal Credit Union Choice Plus Checking is available in 1 state across the USA.

Key Takeaways
  • Very high 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 Federal Credit Union Choice Plus Checking does not charge fees on ATM transactions.
  • Up to $25 in ATM fee reimbursements. This account will reimburse you for the ATM fees charged by other financial institutions.
  • Free bill pay. Pay your bills to practically anyone in the United States through La Capitol Federal Credit Union.
  • Hard credit pull. La Capitol Federal Credit Union may require a hard pull on your credit report to open a checking account.
La Capitol Federal Credit Union Choice Plus Checking Pros & Cons
Pros Cons
  • You can receive surcharge refunds of up to $25.00 per month on Foreign ATM fees.
  • High-interest yield.
  • Deposits are insured by the NCUA (up to $250K).
  • Access to physical branches.
  • Free debit card
  • No signup bonus.
  • Not FDIC-insured.
  • Only available in one state.
  • Higher than average wire transfer fees.
  • Monthly service charge (if minimums are not met).
La Capitol Federal Credit Union Choice Plus Checking 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 Federal Credit Union Choice Plus Checking offer?

La Capitol Federal Credit Union Choice Plus Checking offers an APY starting at 0.1% and ranging up to 4.25% (APY stands for annual percentage yield, rates may change).

La Capitol Federal Credit Union Choice Plus Checking Rates and Terms
Rates Amount
APY (Annual Percentage Yield) 0.1% - 4.25%

What are the account minimums for La Capitol Federal Credit Union Choice Plus Checking?

La Capitol Federal Credit Union Choice Plus Checking requires a minimum initial deposit of $50 to open an account.

La Capitol Federal Credit Union Choice Plus Checking Account Minimums
Description Amount
Minimum Opening Deposit $50
Minimum Direct Deposit to Avoid Monthly Service Fee $500
Minimum Balance to Avoid Monthly Service Fee $1,000

What fees does La Capitol Federal Credit Union Choice Plus Checking charge?

This account charges a monthly service fee of up to $8.

La Capitol Federal Credit Union Choice Plus Checking Fees
Description
ATM Fee: In-Network $0
ATM Reimbursement Monthly Limit $25
Debit Card Replacement Fee $10
Monthly Fee $0 - $8
NSF Fee $30
Online Bill Pay Fee $0
Overdraft Item Fee $30
Overdraft Protection Fee (per transfer) $10
Paper Statement Fee $2
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

Does La Capitol Federal Credit Union Choice Plus Checking charge overdraft fees?

Yes, La Capitol Federal Credit Union Choice Plus Checking charges a $30 fee for every overdraft fee.

La Capitol Federal Credit Union Choice Plus Checking offers overdraft protection at a cost of $10 per transaction.

What features and perks does La Capitol Federal Credit Union Choice Plus Checking offer?

This account includes the following features:

  • ATM reimbursement - This account will reimburse you for the ATM fees charged by other networks up to a monthly maximum of $25.
  • Fraud monitoring - La Capitol Federal Credit Union Choice Plus Checking monitors transactions for potentially fraudulent activity, such as when a debit card is unexpectedly used in a different location or you make a sudden string of costly purchases.
  • Free Online Bill Pay - Online Bill Pay allows you to pay bills easily from your account.
  • Mobile Banking Services - La Capitol Federal Credit Union Choice Plus Checking 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.

How do people rate the customer service and user experience of La Capitol Federal Credit Union Choice Plus Checking?

Overall, La Capitol Federal Credit Union Choice Plus Checking is strongly recommended based on community reviews that rate customer service and user experience.

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Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Contact

  • Headquarters
  •   700 Main St
    Baton Rouge, LA 70802
  •   Visit Site

Other Services by La Capitol Federal Credit Union

Availability

  Available in 1 state
Louisiana
Availabile in all of Louisiana

Feature Breakdown

Minimum Direct Deposit to Avoid Monthly Fee $500
Minimum Opening Deposit Starting at $50
Minimum Balance to Avoid Monthly Fee $1,000
ATM Fee: In-Network $0
Online Bill Pay Fee $0
ATM Reimbursement Monthly Limit $25
Debit Card Replacement Fee $10
Monthly Fee $0 - $8
NSF Fee $30
Overdraft Item Fee $30
Overdraft Protection Fee (per transfer) $10
Paper Statement Fee $2
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
Bank Account Features
  • No ATM Fees
  • Free Bill Pay
  • Mobile Check Deposit
  • Interest Bearing Account
  • ATM Reimbursement
  • Mobile Banking
  • Fraud Monitoring
  • Fraud Protection
  • Debit Card
  • NCUA Member
  • Branch Access
APY (Annual Percentage Yield) 0.1% - 4.25%

La Capitol Federal Credit Union Choice Plus Checking Community Reviews

 

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SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly recommended by SuperMoney users with a score of +100, equating to 5 on a 5 point rating scale.

+100

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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