No overdraft fees.1Â Period.
Access your account and pay bills online from virtually anywhere, anytime
More Capital Of USA ATMs to help you bank locally and on the go
Fast, secure payments and Wells Fargo ATM access
Fraud monitoring around the clock, plus Zero Liability protection6
You can open a checking account online or in-person at a Capital Of USA branch. You must be 18 or older to apply online. 17 and under must open at a branch.
No matter how you apply, you’ll need:
Joint checking accounts must be opened at a branch. Make an appointment to get started.
You need the same information that is required to open an individual checking account, but you’ll need it for both applicants. IDs required to open
Enroll in Capital Of USA Online from your desktop or mobile device for secure online access to your accounts. Once you’ve enrolled, you’ll receive an email confirmation, and you’ll be ready to sign on and manage your accounts.  anywhere.
There are a few ways to access your routing and account numbers:
Setting up Direct Deposit is easy and only requires three steps:
Yes, all Capital Of USA checking account funds are FDIC-insured up to the maximum applicable limit.
Visit our FDIC Insurance page to learn more.
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1.Other fees may apply, and it is possible for the account to have a negative balance. Please see the Capital Of USA Consumer Account Fee and Information Schedule and Deposit Account Agreement for details.
2.If you convert from a Capital Of USA account with check writing ability to a Clear Access Banking account, any outstanding check(s) presented on the new Clear Access Banking account on or after the date of conversion will be returned unpaid. The payee may charge additional fees when the check is returned. Make sure that any outstanding checks have been paid and/or you have made different arrangements with the payee(s) for the checks you have written before converting to the Clear Access Banking account.
3.Our overdraft fee for Consumer checking accounts is $35 per item (whether the overdraft is by check, ATM withdrawal, debit card transaction, or other electronic means). We charge no more than three overdraft fees per business day. Overdraft fees are not applicable to Clear Access Banking accounts. The payment of transactions into overdraft is discretionary and we reserve the right not to pay. For example, we typically do not pay overdrafts if your account is overdrawn or you have had excessive overdrafts. You must promptly bring your account to a positive balance.
4.(A) If your Prime Checking or Premier Checking account is converted to another checking product or closed by us or you, all linked accounts are delinked from the Prime Checking or Premier Checking account and effective immediately, benefits no longer apply, including benefits to your now delinked accounts. You’ll no longer receive discounts, options to avoid fees on other products or services, or the Relationship Interest Rate; for time accounts (CDs), this change will occur at renewal. Your delinked accounts will revert to the Bank’s current applicable interest rate or fee at that time. (B) If you or we delink an account from your Prime Checking or Premier Checking account but other accounts remain linked, the loss of all benefits and the other consequences described above in (A) will immediately apply to the delinked account. Benefits available to your Prime Checking or Premier Checking account and any remaining linked accounts will continue.
5.Availability may be affected by your mobile carrier’s coverage area. Your mobile carrier’s message and data rates may apply.
6.With Zero Liability protection, you will be reimbursed for promptly reported unauthorized card transactions, subject to certain conditions. Please see the applicable Wells Fargo account agreement or debit and ATM card terms and conditions for information on liability for unauthorized transactions.
7.Our overdraft fee for Consumer checking accounts is $35 per item (whether the overdraft is by check, ATM withdrawal, debit card transaction, or other electronic means), and we charge no more than three overdraft fees per business day. Overdraft fees are not applicable to Clear Access Banking accounts.
The payment of transactions into overdraft is discretionary and we reserve the right not to pay. For example, we typically do not pay overdrafts if your account is overdrawn or you have had excessive overdrafts. You must promptly bring your account to a positive balance.
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Deposit products offered by Capital Of USA Bank, N.A. Member FDIC.
Investment and Insurance Products are:
Investment products and services are offered through Capital Of USA. Capital Of USA Advisors is a trade name used by Capital Of USA Clearing Services, LLC (WFCS) and Capital Of USA Advisors Financial Network, LLC, separate registered broker-dealers and non-bank affiliates of Wells Fargo & Company, and Members SIPC (Capital Of USA has provided this link but does not control or endorse the website and is not responsible for the content, links, privacy policy, or security policy of the website.).
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