Compare Capitol Federal® Checking Accounts
Personal Checking |
Most Popular
Simple Blue Checking AccountSay goodbye to monthly service charges and complicated requirements with the Simple Blue checking account, which you can open with a $100 deposit. Enjoy the convenience of online and mobile banking and fee-free access to Capitol Federal ATMs. The account includes a True Blue® debit card for ATMs and Visa® transactions. Manage your account, check balances, transfer funds, and pay bills anytime from your desktop or mobile device. |
Earns Interest
Genuine Blue Checking AccountOpen a Genuine Blue checking account with a $100 deposit to start earning interest and receive one free box of True Blue® checks annually. There’s no monthly service charge if you maintain an average daily balance of $1,000 or more; otherwise, consider the Simple Blue account. Manage your account, pay bills, transfer money, and check balances anytime from your computer or mobile device using True Blue Online® and Mobile Banking. |
|---|---|---|
| Minimum Opening Deposit |
$100 |
$100 |
| No Monthly Service Charge |
|
$1,000 average daily balance |
| Earns Interest |
No |
$100 minimum balance to earn interest |
| Free Check Reorders |
No |
1 box per 12-month cycle, True Blue® design |
Personal Checking
Simple Blue Checking Account
Say goodbye to monthly service charges and complicated requirements with the Simple Blue checking account, which you can open with a $100 deposit. Enjoy the convenience of online and mobile banking and fee-free access to Capitol Federal ATMs. The account includes a True Blue® debit card for ATMs and Visa® transactions. Manage your account, check balances, transfer funds, and pay bills anytime from your desktop or mobile device.
Minimum Opening Deposit
$100
No Monthly Service Charge
Earns Interest
No
Free Check Reorders
No
Genuine Blue Checking Account
Open a Genuine Blue checking account with a $100 deposit to start earning interest and receive one free box of True Blue® checks annually. There’s no monthly service charge if you maintain an average daily balance of $1,000 or more; otherwise, consider the Simple Blue account. Manage your account, pay bills, transfer money, and check balances anytime from your computer or mobile device using True Blue Online® and Mobile Banking.
Minimum Opening Deposit
$100
No Monthly Service Charge
$1,000 average daily balance
Earns Interest
$100 minimum balance to earn interest
Free Check Reorders
1 box per 12-month cycle, True Blue® design
Certain restrictions apply. See Disclosure and Agreement booklet for information.
True Blue® Debit Card - Secure. Convenient. Accepted.
Secure
Your security is our top priority. We use advanced technologies, including contactless payment, to protect your debit card data.
Convenient
Easily make everyday purchases without cash or checks, with no transaction fees for Point-of-Sale and Visa® transactions. Enjoy added convenience by using a digital wallet.
Accepted
The True Blue® Debit Card is accepted worldwide wherever you see the Visa® logo, including online. Enjoy fee-free ATM access at Capitol Federal® branches, and at select locations like the Capitol Federal Amphitheatre in Andover and the Legends Shopping Center in Kansas City.
Please refer to the Disclosure and Agreement for Savings and Transaction Accounts for complete information about funds availability and service charges.
eStatements: Fast. Convenient. Secure.
Get your monthly statements online faster with eStatements. Reduce the risk of identity theft by keeping sensitive information out of your mailbox. Save paper and keep your account details organized. Enroll today to stop receiving paper statements.
To Enroll:
- Log in to True Blue Online® and select "Documents".
- Accept the eStatements Terms and Conditions.
- Update your email, if needed and select the accounts for eStatements.
To View eStatements:
- Select "Documents". A new window will open.
- Choose the account to view and print, download, or view from this page.
True Blue Online® - Direct and Secure Access
It’s easier than ever to check your finances wherever you are. True Blue Online® allows you to bank anywhere, anytime. Fast, easy and secure banking:
- Pay bills
- Check balances and account transactions
- Transfer funds
- See eStatements and other documents
One Card Access: Simplify Your Banking
Link your Capitol Federal® savings account to your existing debit card with One Card Access, a free service designed to make managing your money simpler.
- Convenience: Access both your checking and savings accounts with one card at an ATM, no need to carry multiple cards.
- No Extra Cost: Enjoy this added benefit at no charge to CapFed® customers.
To sign up for this service, visit your nearest branch location.
Stay Connected
We like to stay connected to our customers and friends. Sign up now to be the first to know about special rates, offers and promotions by joining our email list. Information will be periodically sent to your email inbox and you may edit your email preferences at any time.
Personal Checking Accounts FAQs
-
CapFed® offers Simple Blue Checking (our most popular account) and Genuine Blue Checking (interest‑bearing). Both include a True Blue® Debit Card plus online banking and mobile banking.
-
Simple Blue Checking has no monthly service charge and does not earn interest. Genuine Blue Checking earns interest and includes one free box of checks per year, with a minimum balance requirement to avoid a monthly fee.
-
Yes. Genuine Blue Checking earn interest when you maintain a minimum balance of $100.
-
Genuine Blue includes one box of True Blue® design checks per 12‑month cycle.
-
The minimum opening deposit for both Simple Blue Checking and Genuine Blue Checking is $100.
-
Yes. You can open a Capitol Federal® checking account online.
-
Open a checking account online, order your debit card and checks, set up direct deposit and bill pay through True Blue Online®, and use Zelle® for person-to-person payments. CapFed® branch staff can assist with transferring recurring deposits and payments.
-
- Simple Blue Checking: No monthly service charge.
- Genuine Blue Checking: No monthly service charge when your average daily balance is $1,000 or more; otherwise, $5 per month.
-
CapFed® customers have fee-free access to all CapFed® ATMs. Non-CapFed® ATM usage typically costs $2 per withdrawal and $0.50 per balance inquiry, plus any surcharge charged by the ATM owner. CapFed® maintains a broad network across Kansas and Western Missouri.
-
External Transfers to accounts outside CapFed® are available from True Blue Online® ($2 per transfer). Expedited electronic bill payments are offered for select payees ($9.95), and overnight check bill payments cost $14.95.
-
All Capitol Federal® personal checking accounts include True Blue Online® banking, Online Bill Pay, mobile banking app, Zelle®, digital wallet compatibility and fee‑free access to CapFed® ATMs.
-
Yes. CapFed® partners with Zelle® to allow person-to-person payments through True Blue Online® and the Capitol Federal® Mobile App.
-
You can pay bills, view eStatements, set alerts, transfer funds between accounts (internal and external), monitor your credit score with Credit Sense, and track finances with My Finances, all online or through the mobile app.
-
Mobile deposits have a daily limit of $3,000. Deposits submitted by 6:00 p.m. CT are generally reviewed and posted the same business day. Duplicate deposits may incur a fee as outlined in the Service Charge Schedule.
-
The card supports contactless payments, is accepted worldwide wherever Visa® is displayed, and works with digital wallets. It includes fee‑free ATM access at CapFed® locations.
-
CapFed® offers Standard Overdraft Services and an Overdraft Protection Plan. Checks and ACH transactions are automatically reviewed. One-time debit card transactions require opt-in under Regulation E.
-
If CapFed® pays an overdraft under Standard Overdraft Services, the fee is $12 per item, with a maximum of 10 fees per day.
-
You may opt in (we may pay and a fee applies) or opt out (transactions are declined and no fee) using the Debit Card Overdraft Election form or by contacting Capitol Federal® Customer Service.
-
Overdraft Protection transfers funds from a linked CapFed® checking, savings, or money market account, or from an Execuline home equity or unsecured line of credit. To enroll, complete the Overdraft Protection Application and visit a CapFed® branch.
-
Capitol Federal’s routing number is 301171285.
-
Yes. CapFed® is a Member FDIC bank; deposit accounts are insured to applicable limits.