Account Comparison

Genuine BlueSimple BlueHeritage BlueFirst Blue
Earns Interest (1)

X

X
No Monthly Service Charge
(2)
X
(2)
X
Unlimited Check Writing
X
X
X
X
CapFed ATM Transactions
X
X
X
X
Check Reorders
(5)
(5)
(7)
(5)
Access to True Blue Online® (3)
X
X
X
X
Telephone or Online Bill Pay (3)
X
X
X
X
Overdraft Protection (3) (4)
X
X
X
X
Direct Deposit (3)
X
X
X
X
Automatic Transfer of Funds between
CapFed Accounts (3)
X
X
X
X
Notary Service
X
X
X
X
Heritage Travel Club Membership
X
True Blue® PRINT Newsletter
X
X
X
X
Special Requirement
NONE
NONE
AGE 50+
AGES 14-18
VISA® True Blue® Direct Debit Card (4)
and ATM Card (6)
X
X
X
X
Minimum Balance Requirement to Earn Interest
$100
n/a
$100
n/a
Minimum Amount Required to Open
$100
$100
$100
$25

(1) Minimum balance of $100 is required
      to earn interest.

(2) No monthly service charge with an average
     daily balance of $1,000 or more.

(3) Separate application required.

(4) Subject to approved application.

(5) Cost varies.

(6) No transaction fee at all Capitol Federal ATMs
     and participating Walgreens ATMs.

(7) Limited two free boxes True Blue®
     duplicate checks per year.

NOTICE OF CHANGES IN TEMPORARY FDIC INSURANCE COVERAGE FOR TRANSACTION ACCOUNTS


All funds in a "noninterest-bearing transaction account" are insured in full by the Federal Deposit Insurance Corporation from December 31, 2010, through December 31, 2012.  This temporary unlimited coverage is in addition to, and separate from, the coverage of at least $250,000 available to depositors under the FDIC's general deposit insurance rules.

The term "noninterest-bearing transaction account" includes a traditional checking account or demand deposit account on which the insured depository institution pays no interest.  It also includes Interest on Lawyers Trust Accounts ("IOLTAs"). It does not include other accounts, such as traditional checking or demand deposit accounts that may earn interest, NOW accounts, and money-market deposit accounts.

For more information about temporary FDIC insurance coverage of transaction accounts, visit www.fdic.gov.