Regular Shares
Make your first deposit of $25 or more and start enjoying the benefits Capstone Federal Credit Union has to offer! Keep on depositing and watch your balance grow.
Earn competitive dividends on the entire balance as long as you maintain a balance of $25 or more. Account access is easy with Capstone Federal Credit Union; your money is available through any connected ATM, smart phone app, personal computer, or by mail. How much more convenient could it be!
Share Draft (Checking Account)
There are many reasons you just can’t beat a Capstone Federal Credit Union Checking Account. Our checking account entitles you to free ATM/Debit Card, E-Branch Online Services, and Remote Deposit Capture. We also offer Direct Pay, our free bill payment service. Just take a look at these great features and you’ll agree:
* No monthly service fee
* Automatic overdraft protection from your Share Account
* Direct Deposit
* Unlimited Free access at CFCU ATMs
* Unlimited Free Point-of-Sale (POS)
* Free Direct Deposit
* ATM/Debit Card
* Free Bill Pay
* Free Remote Deposit Capture
* Free Access to over 30,000 CO-OP ATM’s
* Access to over 5,000 CO-OP Shared Branching offices
Christmas Club
Don’t let next year’s jingle bells turn into jingle bills! Start preparing today with a Capstone FCU Christmas club account. Our Christmas Club is a painless way to save a little all year. You will earn competitive dividend rates on your deposits, and have a nice sum of cash for holiday giving. There is no minimum balance required to get started.
Kirby Kangaroo/CU Succeed
Kids can start saving for the future and earn competitive dividends with no minimum balance. Capstone FCU believe it’s never too early to educate our youth to be financially responsible. Kids will be rewarded for making deposits into savings accounts. Start them saving for college and the future!
Mobile Deposit and Mobile Banking
Your checking deposits just got easier! Use our free app to make Deposits to your checking account. You can access your accounts in our Mobile App, make payments, view balances, and transfer funds. Save a trip to the branch or ATM. TRY IT TODAY! Download our app on the App Store or Google Play. Search for Capstone FCU app to download. Log in as you would with Online Banking!
Account 2 Account (A2A)
A2A allows you to send or receive money from your account at CFCU linked to another account at another financial institution.
- A2A is available for transfers to domestic banks only. No foreign bank transfers are allowed.
- A2A allows you to send money to your own accounts, to other people or businesses’ accounts at other financial institutions for FREE
- Just remember – once the transfers are sent out they cannot be recalled, so please be sure all set up information is correct.
- You can complete the form here. Complete the A2A setup form and fax it back to the Credit Union at 949-716-5756 or email it securely to capstonefcu@capstonefcu.coop
- To set A2A up Your CFCU account must be set up for online banking access because you will be the one making the actual transfers after the original setup, just like you transfer money between accounts at the Credit Union now. The receiving account will show up in the drop-down box when making a transfer request.
- A2A transfers can be setup to occur as one-time transfers that you initiate each time or they can be automatically recurring.
- There is no limit to the number of A2A transfer, but there is a maximum $2500 daily limit to the receiving financial institution
- Transfers are initiated via ACH. However, we do not control the ACH system so this cannot be guaranteed. Transfers initiated after the 4:00PST office cut-off should be processed the next business day.
- All transfers are processed securely via the ACH (Automatic Clearing House) network.
- If funds absolutely must be there the same day you may want to consider a bank wire. There is a $25 fee to send a Domestic bank wire.
- A2A Form