There’s so much more in a CAP COM Checking Account! All of our accounts offer the following: •Fewerornofeescomparedtoother financial institutions. •Freechecksforlife(selectstyles). •FreeVISA®DebitCardwithCURewards•1,000CURewardPointsataccountopening •Anetworkof30,000freeATMsandan onlinetooltohelpyoufindthem. •Upto10freewithdrawalspermonth atATMsoutsideourfreenetwork. •24/7accountaccess,onlineorbyphone. •FreeonlineBillPay. •Overdraftoptions •Savingsoverdraft •CheckingAccountLine-of-Credit •MemberCourtesyPay*–Overdraft coverageforchecksandACHtransactions MemberCourtesyPayPlus*alsocovers debitcardandATMtransactions.

We make it easy to switch! WeknowtheprocessofswitchingyourCheckingAccountfromanotherfinancialinstitutioncanbecumbersome.AnyCAPCOMassociatewillcompletetheformsneededto:

•OpenaCheckingAccount •Closeoutyouroldaccount •Setupdirectdeposit •Redirectautomaticpayments

Take advantage of our award-winning member service – let us open a checking account for you today! *MemberCourtesyPaycoveragewilloccuronlyaftersavingstransferand/orcheckingline-of-creditisused(ifalreadyestablishedontheaccount.)WewillpayoverdraftsatourdiscretionuptobutnotexceedingyourMemberCourtesyPaylimit.WeretaintherighttodeclineMemberCourtesyPayProgramtransactions.Ifwedonotauthorizeandpayanoverdraft,yourtransactionmaybedeclined andareturneditemfeewillbeassessed,ifapplicable.

Capital Communications Members!Save money onretail,dining,entertainmentandmorewithdiscountsavailablethroughCreditUnionMemberCompanies.

DiscountsavailablewhenyoupayforyourpurchasesusingyourCapitalCommunicationsVISA®CreditCardorDebitCardorbycheck*.

Offerdetailsvarybyvendor.Effectivedateofprogramis2/1/10.CreditUniondoesnotendorse,recommend,orguaranteetheproductsorservicesofMemberCompanies.Previouspurchasesexcluded.Programsubjecttochangeorcancellationwithoutnotice.SeeWebsitefordetails.

Phone Numbers & WebsiteCCFCUPhone (518)458-2195CCFCUTollFree (800)468-5500CCFCUFax (518)458-2261Touch-24 (518)458-8986Touch-24TollFree (800)634-2340www.capcomfcu.org Main Office & Mailing Address18ComputerDriveEast•Albany,NY12205

10 01-002REV 10/21/103,000

Albany • Brunswick • Clifton Park Cohoes • Colonie • Glenmont • Latham

Niskayuna • North Greenbush

Checking Accounts

www.capcomfcu.org

Open a Checking Account and get the best in free checking!

Consumers’ Choice Free Checking •Nomonthlyfeesorminimumbalance.

Members’ Advantage Dividend Checking •Earnsdividendsifmonthlyaveragebalance is$500ormore;nomonthlyfees.

Investors’ Advantage Dividend Checking* •CreditUnionMoneyMarketand$1,000average monthlybalancerequiredtoearndividends. •Nomonthlyfees.

Young Adult Checking (ages 15-22)** •Nominimumbalanceormonthlyfees. •VISA®DebitCardwithunlimitedfreeATM accessanywhereintheworld. •Overdraftoptionavailable. Savemoneywithourmemberdiscountprogram. Seebackpanelformoredetails

VISA Debit Card YourVISADebitCardcanbeusedwhereveryouseetheVISAlogo.Useitto: •WithdrawcashatATMsandselectmerchants. YoucanalsomakedepositsatmostCapital CommunicationsATMs. •Payforpurchasesinsteadofwritingacheck andthemoneyisdeducteddirectlyfrom yourcheckingaccount. •Savemoneywithourmemberdiscount program.Seebackpanelformoredetails.

YourdebitcardisprotectedbyourZeroLiabilityPolicy(excludingATMtransactionsornon-VISA-brandedPINtransactions).

Save yourself the trip! UseDirectDeposittohaveyourpaycheckdepositeddirectlyintoyouraccount.DivideyourpaycheckamongdifferentaccountswithPayrollDeduction.

CU Reward Points EarnCURewardPointswheneveryouuseyourdebitcard.Forevery$5youspend,you’llearnoneRewardPointoneligibletransactions(ATMwithdrawalsarenoteligibleforpoints).Yourmonthlystatementwilllistyouraccumulatedpoints.AllVISA® AccessCardholdersareautomaticallyregistered,soyoucanstartearningpointsrightaway!Formerchandiseredemptioninformation,pleasevisitcurewards.com.Forinformationabouttravelredemption,pleasecall(800)900-6160.

Online Options Connect-24,ouronlinebankingsystemgivesyouthefreedomtobankonyourowntime.Manageyourmoneyanytime,anywherewithourfreedownloadableiPhoneAppandaccesstoourmobilewebsolutionatwww.capcomfcu.mobi.*

Pay your billsattheclickofabuttonwithfreeBillPayinConnect-24.Youcontrolwhenyourbillsarepaidandreceiveaconfirmationwhenmoneyleavesyouraccount.Receive, viewandmanageyourbillsonlinewith BillPresentment.

E-Statementsareonemoretooltofightidentitytheft.ViewyourstatementsfromtheprivacyofyourcomputerwithinConnect-24insteadofwaitingforthemtocomeinyourpostalmailbox. It’sfree!Otherfeaturesincludeane-mailnotificationwhenyourstatementisreadyandisavailableinaneasy-to-printAdobePDFformat.

iDeposit-24allowsyoutodepositcheckstoyourCheckingAccountfromanyInternetconnectionthroughConnect-24,andhaveimmediateaccesstodepositedfunds(limitswillapply).Greatforstudentsawayfromhome!(Mustbeaqualifiedmember.Somerestrictionsmayapply.)

*Datachargesmayapply.Checkwithyourwirelesscarrier.

The utmost in convenience – our ATM network There’snoreasontoeverpayanATMfee.Thechartbelowlistsallofthefreeoptionswehave.

CCFCU-owned ATMs Free Free

CO-OP and SUM ATM Network Free .50 (surcharge-free)

(surcharge-free) Non-CCFCU ATMs Free .50*

CCFCUATMChargesATMType 0-10transactions11+transactions permonth permonth

ATMType

Surcharge-free: In addition to the fees charged by CCFCU to use non-CCFCU-owned ATMs, ATM owners may charge additional fees, also known as surcharges, to use their ATMs. These vary by financial institution. CCFCU has entered into relationships with CO-OP Financial Services and Key Bank to allow CCFCU members to access participating ATMs without paying surcharges (surcharge-free access). CCFCU fees may still apply. *Please Note: You may be charged a surcharge by the ATM owner.

Finding a free ATM couldn’t be easier! Use our online ATM locator at capcomfcu.org and find the free ATM closest to you, get directions and even send the information to a cell phone. Just click on “Locations/ATMs” at the top of our home page.

*CapitalCommunicationsMoneyMarketAccountrequiredtoopen.**CapitalCommunicationswillreimbursememberswithaYoungAdultCheckingAccount(ages15-22)foranyATMsurchargeorforeigntransactionfee.Membersages15-17musthaveaparent/guardianasajointowner.

There’s so much more in a CAP COM Checking Account! All of our accounts offer the following: •Fewerornofeescomparedtoother financial institutions. •Freechecksforlife(selectstyles). •FreeVISA®DebitCardwithCURewards•1,000CURewardPointsataccountopening •Anetworkof30,000freeATMsandan onlinetooltohelpyoufindthem. •Upto10freewithdrawalspermonth atATMsoutsideourfreenetwork. •24/7accountaccess,onlineorbyphone. •FreeonlineBillPay. •Overdraftoptions •Savingsoverdraft •CheckingAccountLine-of-Credit •MemberCourtesyPay*–Overdraft coverageforchecksandACHtransactions MemberCourtesyPayPlus*alsocovers debitcardandATMtransactions.

We make it easy to switch! WeknowtheprocessofswitchingyourCheckingAccountfromanotherfinancialinstitutioncanbecumbersome.AnyCAPCOMassociatewillcompletetheformsneededto:

•OpenaCheckingAccount •Closeoutyouroldaccount •Setupdirectdeposit •Redirectautomaticpayments

Take advantage of our award-winning member service – let us open a checking account for you today! *MemberCourtesyPaycoveragewilloccuronlyaftersavingstransferand/orcheckingline-of-creditisused(ifalreadyestablishedontheaccount.)WewillpayoverdraftsatourdiscretionuptobutnotexceedingyourMemberCourtesyPaylimit.WeretaintherighttodeclineMemberCourtesyPayProgramtransactions.Ifwedonotauthorizeandpayanoverdraft,yourtransactionmaybedeclined andareturneditemfeewillbeassessed,ifapplicable.

Capital Communications Members!Save money onretail,dining,entertainmentandmorewithdiscountsavailablethroughCreditUnionMemberCompanies.

DiscountsavailablewhenyoupayforyourpurchasesusingyourCapitalCommunicationsVISA®CreditCardorDebitCardorbycheck*.

Offerdetailsvarybyvendor.Effectivedateofprogramis2/1/10.CreditUniondoesnotendorse,recommend,orguaranteetheproductsorservicesofMemberCompanies.Previouspurchasesexcluded.Programsubjecttochangeorcancellationwithoutnotice.SeeWebsitefordetails.

Phone Numbers & WebsiteCCFCUPhone (518)458-2195CCFCUTollFree (800)468-5500CCFCUFax (518)458-2261Touch-24 (518)458-8986Touch-24TollFree (800)634-2340www.capcomfcu.org Main Office & Mailing Address18ComputerDriveEast•Albany,NY12205

10 01-002REV 10/21/103,000

Albany • Brunswick • Clifton Park Cohoes • Colonie • Glenmont • Latham

Niskayuna • North Greenbush

Checking Accounts

www.capcomfcu.org