Capital Area REALTORS® FCU Routing & Transit #255077639

Checking Account

Choose checking that’s right for you.

Earn Up To
Annual Percentage Yield
Monthly Fee
No Minimum Balance Required

Checking Account

A better checking account.

Our checking account makes it easy for you to access your money whenever you need it. We want you to keep more of the money you make, which is why we keep our account fees low and have no minimum balance requirement.

Why Choose CARFCU?

Big bank features, with a community bank experience.

We’ve paired technology with a community banking feel to create a better banking experience.

Get instant access your accounts through our online portal, or through our mobile app. Looking to deposit a check? You can skip the drive to the branch and use our app to remote deposit. 

Our debit card provides you access to your funds, wherever you may be. We’ve partnered with a network of ATMs across the country to provide you with access to thousands of ATMs, free of charge.

We don’t believe in frivolous account fees, and that’s why we don’t charge them. No minimum balance requirements, transaction requirements, or otherwise — simply a great account with an even better team here to support our members.

We don’t use call centers or automated support solutions for our members. When you reach out to us, one of our team members will be there to help you through any questions you may have.

Let's Get Started

We make the process simple.

Our goal is to make the setup process as simple as possible. To meet that goal, we’ve refined our process down to 3 simple steps to get you started. If there’s anything we can help with, please contact us.


Download our form

Complete our easy to use fillable form which will gather all the information we need to setup your account.


Send it back with your deposit

Mail your completed form back, along with a check for your initial deposit (minimum $100).


Get started

Once we receive your form and deposit, we’ll get your account setup and send you everything you need to get started.

Important: Please READ

All members must first enroll in our new Mobile Banking App

  • Download Mobile Banking App from Apple App Store or Google Play Store
    • Members must have their Member Number and last 4 digits of the Primary Account Holder’s SSN to get started. If you do not have your Member Number, please check any of your monthly statement or email
  • You will create your new Logon ID and Security Code (Password) to access online banking
  • Please click here to enroll
  • If you have enrolled successfully, log in to your Mobile App or  click here to Login to Online Banking