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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 Starting at $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 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
Pros Cons
  • You can receive surcharge refunds of up to $25.00 per month on Foreign ATM fees.
  • High-interest yield.
  • Insured by NCUA.
  • Access to physical branches.
  • Free debit card
  • No signup bonus.
  • Does not provide access to a nationwide ATM network.
  • Not FDIC-insured.
  • Only available in one state.
  • Higher than average wire transfer fees.
  • Monthly service charge (if minimums are not met).
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).

La Capitol checking account Rates and Terms
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.

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

What fees does La Capitol checking account 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 checking account charge overdraft fees?

Yes, La Capitol checking account charges a $30 fee for every overdraft.

La Capitol checking account offers 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 reimbursement - 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.

How do people rate the customer service and user experience of La Capitol checking account?

Overall, La Capitol checking account is strongly recommended based on community reviews that rate customer service and user experience.

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Message From La Capitol Federal Credit Union Choice Plus Checking

Welcome to Personal Checking That Changes Everything! The best bank isn’t a bank at all. With a checking account from La Capitol Federal Credit Union, you get access to the best combination of rates, services, and perks. Choose our Simple account for simply great checking with courtesy pay and a no cost option available or our Choice account to earn dividends with every swipe of your debit card. Both accounts offer a no cost option, or if you're looking for perks, just add BaZing. You'll get cell phone protection, roadside assistance, ID theft aid, and more amazing BaZing benefits.

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 Starting at $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
Account Features
  • No ATM Fees
  • Free Bill Pay
  • Mobile Check Deposit
  • Interest Bearing Account
  • ATM Reimbursement
  • Mobile Banking
  • Fraud Monitoring
  • Fraud Protection
  • Debit Card
  • Insured by NCUA
  • 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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