Personal Accounts - Checking, Savings, CDs

At Capitol Federal®, our Personal Accounts offer a range of banking solutions designed to meet your individual needs, from checking and savings accounts to money market accounts and certificates of deposit. Enjoy benefits such as competitive interest rates, convenient online and mobile banking, and personalized customer service.

Personal Accounts For You

Check out our full range of personal banking accounts, including checking, savings, high yield eSavings, money market accounts, and CDs.

eSavings
3.70 % APY

Minimum balance to earn APY is $10,000, and account must be enrolled in eStatements.

Open Online

    Simple to Manage. Simple to Use. Simple Banking.

    Simplify your everyday spending with a Simple Blue Checking account. Open an account today and receive a True Blue® Visa® debit card, granting you fee-free access to Capitol Federal® ATMs. Plus, manage your finances with ease using True Blue Online® banking and mobile apps.

    • Our most popular account
    • Open with a minimum deposit of $100
    • No monthly service charges
    • No minimum balance fees 

    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

    Wealth Management

    We are committed to helping you, and your family, achieve your financial goals. You can rely on Capitol Federal® to provide personalized investment services as part of our Brokerage Services, and handle your assets for generations to come, with care and financial stability through our Trust Services department.

    Daisy field.

    Fraud Is More Common Than You Think - Here’s What That Means for You

    As fraud becomes more common, managing your finances isn’t just about saving and investing, it’s also about protecting what you’ve built. Having the right tools, guidance, and support in place can help you feel more confident and in control, no matter what comes your way.
    Read more
    CapFed® news on tablet.
    May 07, 2026

    Capitol Federal® Celebrates Title Sponsorship of Spirit of Kansas

    The Shawnee County Board of Commissioners recognized Capitol Federal® as the “Title Sponsor” of the 2026 Spirit of Kansas fireworks display during a check presentation ceremony at the May 7, 2026 Board of County Commission meeting.
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    CapFed® news on tablet.
    May 05, 2026

    Henry A. Bubb Distinguished Service Award

    Capitol Federal® Chief Executive Officer John B. Dicus announced that Software Developer III Michael Peoples is the 2025 recipient of the Henry A. Bubb Distinguished Service Award, the Bank’s highest employee recognition.
    Read more