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CAP Loan Access Checking

Your lifestyle is demanding. Depend on us.

The Armed Forces Bank CAP Loan Access Checking account meets your everyday needs and gives you the freedom to manage your money with ease. Our CAP Loan Access Checking account is designed to be the best checking account for you and your family, helping you keep your money safe while also allowing you to benefit from extra features.

  • No minimum balance required to open your account
  • Receive DFAS direct deposit a day early with Military Early Pay
  • Free overdraft protection transfers
  • Free incoming wire transfers

For an account tailored to your unique needs, look no further. 

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  • No monthly service charge when you make a direct deposit each statement cycle. Otherwise, a $12 monthly service charge applies.
  • Free eStatements or $5 paper statements. Other miscellaneous fees, including overdraft fees, may also apply.
  • Closing CAP Loan Access Checking accounts within 90 days of opening will result in a $20 early closure fee.


Dedicated Recruit/CAP Department

Phone: 844-72-SERVE (844-727-3783)
Fax: 816-412-0055

Available Monday-Friday: 0800-1730 Central Time

Related FAQs:

1 No fees for withdrawals, transfers, balance inquiries or denied ATM transactions at ATMs in the MoneyPass® Network if you have a MoneyPass® logo on the back of your card. MoneyPass® Network ATMs are within the U.S. only
2 Direct deposit required.  Maximum ACH credit is $15,000.00. 
3 Deposits are subject to verification and not available for immediate withdrawal. Deposit limits and restrictions apply. 
4 Message and data rates charged by your mobile phone carrier may apply.