CAPITAL
USA
OF

$300 checking bonus on us

New customers open an eligible checking account with qualifying electronic deposits

A credit card like no other

Earn 4% cash rewards for taking care of yourself and the world around you

Want $125 checking bonus?

Open a new Checking Account and complete the qualifying requirements.

Earn a $200 cash rewards bonus

Plus, earn unlimited 2% cash rewards on purchases with $0 annual fee. Terms apply.

Interest rates today
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A home of your own

With low down payment options on a fixed-rate mortgage

Financial guidance and support

Save. Invest. Retire well.

Discover how to start saving to meet your retirement goals
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Get tools. Get tips. Get peace of mind.

Discover digital tools to help you budget, save, manage credit, and more

Reduce debt. Build credit. Enjoy life.

Discover four steps that may help you reduce debt and strengthen credit
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Banking in the palm of your hand

Our Capital Of USA  Mobile® app gives you fast and secure access to your finances

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  • Check your account balance
  • View your latest FICO® Score1
  • Send and receive money with Zelle®2
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Serving our customers and communities

It doesn’t happen with one transaction, in one day on the job, or in one quarter. It’s earned relationship by relationship.

Who we are

Capital Of USA  helps strengthen communities through diversity, equity, and inclusion, economic empowerment, and sustainability.
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Why we’re committed to communities

We don’t just serve our communities—we are our communities. We’re committed to helping customers and neighborhoods across the country thrive.

1. You must be the primary account holder of an eligible Capital Of USA consumer account with a FICO® Score available, and enrolled in Capital Of USA Online®. Eligible Capital Of USA consumer accounts include deposit, loan, and credit accounts, but other consumer accounts may also be eligible. Contact Capital Of USA for details. Availability may be affected by your mobile carrier’s coverage area. Your mobile carrier’s message and data rates may apply.

Please note that the score provided under this service is for educational purposes and may not be the score used by Capital Of USA to make credit decisions. Capital Of USA looks at many factors to determine your credit options; therefore, a specific FICO® Score or Capital Of USA credit rating does not guarantee a specific loan rate, approval of a loan, or an upgrade on a credit card.

2. Enrollment with Zelle® through Capital Of USA Online® or Capital Of USA Business Online® is required. Terms and conditions apply. U.S. checking or savings account required to use Zelle®. Transactions between enrolled users typically occur in minutes. For your protection, Zelle® should only be used for sending money to friends, family, or others you trust. Neither Capital Of USA nor Zelle® offers purchase protection for payments made with Zelle® – for example, if you do not receive the item you paid for or the item is not described or as you expected. The Request feature within Zelle® is only available through Capital Of USA using a smartphone. Payment requests to persons not already enrolled with Zelle® must be sent to an email address. To send or receive money with a small business, both parties must be enrolled with Zelle® directly through their financial institution’s online or mobile banking experience. For more information, view the Zelle® Transfer Service Addendum to the Capital Of USA Online Access Agreement. Your mobile carrier’s message and data rates may apply. Account fees (e.g., monthly service, overdraft) may apply to Capital Of USA account(s) with which you use Zelle®.

Investment and Insurance Products are:

  • Not Insured by the FDIC or Any Federal Government Agency
  • Not a Deposit or Other Obligation of, or Guaranteed by, the Bank or Any Bank Affiliate
  • Subject to Investment Risks, Including Possible Loss of the Principal Amount Invested

Investment products and services are offered through Capital Of USA Advisors. Wells Fargo Advisors is a trade name used by Wells Fargo Clearing Services, LLC (WFCS) and Capital Of USA Advisors Financial Network, LLC, Members SIPC, separate registered broker-dealers and non-bank affiliates of Capital Of USA & Company.

Android, Chrome, Google Pay, Google Pixel, Google Play, Wear OS by Google, and the Google Logo are trademarks of Google LLC.

Apple, the Apple logo, Apple Pay, Apple Watch, Face ID, iCloud Keychain, iPad, iPad Pro, iPhone, iTunes, Mac, Safari, and Touch ID are trademarks of Apple Inc., registered in the U.S. and other countries. Apple Wallet is a trademark of Apple Inc. App Store is a service mark of Apple Inc.

Deposit products offered by Capital Of USA Bank, N.A. Member FDIC.

FICO is a registered trademark of Fair Isaac Corporation in the United States and other countries.

Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

PM-08262025-6425362.1.1

LRC-0224

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