There’s so much more in a CAP COM Checking Account! All of our accounts offer the following: •Fewerornofeescomparedtoother financial institutions. •Freechecksforlife(selectstyles). •FreeVISA®DebitCardwithCURewards•1,000CURewardPointsataccountopening •Anetworkof30,000freeATMsandan onlinetooltohelpyoufindthem. •Upto10freewithdrawalspermonth atATMsoutsideourfreenetwork. •24/7accountaccess,onlineorbyphone. •FreeonlineBillPay. •Overdraftoptions •Savingsoverdraft •CheckingAccountLine-of-Credit •MemberCourtesyPay*–Overdraft coverageforchecksandACHtransactions MemberCourtesyPayPlus*alsocovers debitcardandATMtransactions.
We make it easy to switch! WeknowtheprocessofswitchingyourCheckingAccountfromanotherfinancialinstitutioncanbecumbersome.AnyCAPCOMassociatewillcompletetheformsneededto:
•OpenaCheckingAccount •Closeoutyouroldaccount •Setupdirectdeposit •Redirectautomaticpayments
Take advantage of our award-winning member service – let us open a checking account for you today! *MemberCourtesyPaycoveragewilloccuronlyaftersavingstransferand/orcheckingline-of-creditisused(ifalreadyestablishedontheaccount.)WewillpayoverdraftsatourdiscretionuptobutnotexceedingyourMemberCourtesyPaylimit.WeretaintherighttodeclineMemberCourtesyPayProgramtransactions.Ifwedonotauthorizeandpayanoverdraft,yourtransactionmaybedeclined andareturneditemfeewillbeassessed,ifapplicable.
Capital Communications Members!Save money onretail,dining,entertainmentandmorewithdiscountsavailablethroughCreditUnionMemberCompanies.
DiscountsavailablewhenyoupayforyourpurchasesusingyourCapitalCommunicationsVISA®CreditCardorDebitCardorbycheck*.
Offerdetailsvarybyvendor.Effectivedateofprogramis2/1/10.CreditUniondoesnotendorse,recommend,orguaranteetheproductsorservicesofMemberCompanies.Previouspurchasesexcluded.Programsubjecttochangeorcancellationwithoutnotice.SeeWebsitefordetails.
Phone Numbers & WebsiteCCFCUPhone (518)458-2195CCFCUTollFree (800)468-5500CCFCUFax (518)458-2261Touch-24 (518)458-8986Touch-24TollFree (800)634-2340www.capcomfcu.org Main Office & Mailing Address18ComputerDriveEast•Albany,NY12205
10 01-002REV 10/21/103,000
Albany • Brunswick • Clifton Park Cohoes • Colonie • Glenmont • Latham
Niskayuna • North Greenbush
Checking Accounts
www.capcomfcu.org
Open a Checking Account and get the best in free checking!
Consumers’ Choice Free Checking •Nomonthlyfeesorminimumbalance.
Members’ Advantage Dividend Checking •Earnsdividendsifmonthlyaveragebalance is$500ormore;nomonthlyfees.
Investors’ Advantage Dividend Checking* •CreditUnionMoneyMarketand$1,000average monthlybalancerequiredtoearndividends. •Nomonthlyfees.
Young Adult Checking (ages 15-22)** •Nominimumbalanceormonthlyfees. •VISA®DebitCardwithunlimitedfreeATM accessanywhereintheworld. •Overdraftoptionavailable. Savemoneywithourmemberdiscountprogram. Seebackpanelformoredetails
VISA Debit Card YourVISADebitCardcanbeusedwhereveryouseetheVISAlogo.Useitto: •WithdrawcashatATMsandselectmerchants. YoucanalsomakedepositsatmostCapital CommunicationsATMs. •Payforpurchasesinsteadofwritingacheck andthemoneyisdeducteddirectlyfrom yourcheckingaccount. •Savemoneywithourmemberdiscount program.Seebackpanelformoredetails.
YourdebitcardisprotectedbyourZeroLiabilityPolicy(excludingATMtransactionsornon-VISA-brandedPINtransactions).
Save yourself the trip! UseDirectDeposittohaveyourpaycheckdepositeddirectlyintoyouraccount.DivideyourpaycheckamongdifferentaccountswithPayrollDeduction.
CU Reward Points EarnCURewardPointswheneveryouuseyourdebitcard.Forevery$5youspend,you’llearnoneRewardPointoneligibletransactions(ATMwithdrawalsarenoteligibleforpoints).Yourmonthlystatementwilllistyouraccumulatedpoints.AllVISA® AccessCardholdersareautomaticallyregistered,soyoucanstartearningpointsrightaway!Formerchandiseredemptioninformation,pleasevisitcurewards.com.Forinformationabouttravelredemption,pleasecall(800)900-6160.
Online Options Connect-24,ouronlinebankingsystemgivesyouthefreedomtobankonyourowntime.Manageyourmoneyanytime,anywherewithourfreedownloadableiPhoneAppandaccesstoourmobilewebsolutionatwww.capcomfcu.mobi.*
Pay your billsattheclickofabuttonwithfreeBillPayinConnect-24.Youcontrolwhenyourbillsarepaidandreceiveaconfirmationwhenmoneyleavesyouraccount.Receive, viewandmanageyourbillsonlinewith BillPresentment.
E-Statementsareonemoretooltofightidentitytheft.ViewyourstatementsfromtheprivacyofyourcomputerwithinConnect-24insteadofwaitingforthemtocomeinyourpostalmailbox. It’sfree!Otherfeaturesincludeane-mailnotificationwhenyourstatementisreadyandisavailableinaneasy-to-printAdobePDFformat.
iDeposit-24allowsyoutodepositcheckstoyourCheckingAccountfromanyInternetconnectionthroughConnect-24,andhaveimmediateaccesstodepositedfunds(limitswillapply).Greatforstudentsawayfromhome!(Mustbeaqualifiedmember.Somerestrictionsmayapply.)
*Datachargesmayapply.Checkwithyourwirelesscarrier.
The utmost in convenience – our ATM network There’snoreasontoeverpayanATMfee.Thechartbelowlistsallofthefreeoptionswehave.
CCFCU-owned ATMs Free Free
CO-OP and SUM ATM Network Free .50 (surcharge-free)
(surcharge-free) Non-CCFCU ATMs Free .50*
CCFCUATMChargesATMType 0-10transactions11+transactions permonth permonth
ATMType
Surcharge-free: In addition to the fees charged by CCFCU to use non-CCFCU-owned ATMs, ATM owners may charge additional fees, also known as surcharges, to use their ATMs. These vary by financial institution. CCFCU has entered into relationships with CO-OP Financial Services and Key Bank to allow CCFCU members to access participating ATMs without paying surcharges (surcharge-free access). CCFCU fees may still apply. *Please Note: You may be charged a surcharge by the ATM owner.
Finding a free ATM couldn’t be easier! Use our online ATM locator at capcomfcu.org and find the free ATM closest to you, get directions and even send the information to a cell phone. Just click on “Locations/ATMs” at the top of our home page.
*CapitalCommunicationsMoneyMarketAccountrequiredtoopen.**CapitalCommunicationswillreimbursememberswithaYoungAdultCheckingAccount(ages15-22)foranyATMsurchargeorforeigntransactionfee.Membersages15-17musthaveaparent/guardianasajointowner.
There’s so much more in a CAP COM Checking Account! All of our accounts offer the following: •Fewerornofeescomparedtoother financial institutions. •Freechecksforlife(selectstyles). •FreeVISA®DebitCardwithCURewards•1,000CURewardPointsataccountopening •Anetworkof30,000freeATMsandan onlinetooltohelpyoufindthem. •Upto10freewithdrawalspermonth atATMsoutsideourfreenetwork. •24/7accountaccess,onlineorbyphone. •FreeonlineBillPay. •Overdraftoptions •Savingsoverdraft •CheckingAccountLine-of-Credit •MemberCourtesyPay*–Overdraft coverageforchecksandACHtransactions MemberCourtesyPayPlus*alsocovers debitcardandATMtransactions.
We make it easy to switch! WeknowtheprocessofswitchingyourCheckingAccountfromanotherfinancialinstitutioncanbecumbersome.AnyCAPCOMassociatewillcompletetheformsneededto:
•OpenaCheckingAccount •Closeoutyouroldaccount •Setupdirectdeposit •Redirectautomaticpayments
Take advantage of our award-winning member service – let us open a checking account for you today! *MemberCourtesyPaycoveragewilloccuronlyaftersavingstransferand/orcheckingline-of-creditisused(ifalreadyestablishedontheaccount.)WewillpayoverdraftsatourdiscretionuptobutnotexceedingyourMemberCourtesyPaylimit.WeretaintherighttodeclineMemberCourtesyPayProgramtransactions.Ifwedonotauthorizeandpayanoverdraft,yourtransactionmaybedeclined andareturneditemfeewillbeassessed,ifapplicable.
Capital Communications Members!Save money onretail,dining,entertainmentandmorewithdiscountsavailablethroughCreditUnionMemberCompanies.
DiscountsavailablewhenyoupayforyourpurchasesusingyourCapitalCommunicationsVISA®CreditCardorDebitCardorbycheck*.
Offerdetailsvarybyvendor.Effectivedateofprogramis2/1/10.CreditUniondoesnotendorse,recommend,orguaranteetheproductsorservicesofMemberCompanies.Previouspurchasesexcluded.Programsubjecttochangeorcancellationwithoutnotice.SeeWebsitefordetails.
Phone Numbers & WebsiteCCFCUPhone (518)458-2195CCFCUTollFree (800)468-5500CCFCUFax (518)458-2261Touch-24 (518)458-8986Touch-24TollFree (800)634-2340www.capcomfcu.org Main Office & Mailing Address18ComputerDriveEast•Albany,NY12205
10 01-002REV 10/21/103,000
Albany • Brunswick • Clifton Park Cohoes • Colonie • Glenmont • Latham
Niskayuna • North Greenbush
Checking Accounts
www.capcomfcu.org
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