Account Comparison

Genuine BlueFreedom BlueHeritage BlueCool Blue
Earns Interest (1)

X

X
No Monthly Service Charge
(2)
X
X
X
Unlimited Check Writing
X
X
X
X
Free CapFed ATM Transactions
X
X
X
X
First 150 True Blue® Checks Free
X
X
X
X
Check Reorders
(7)
(7)
FREE
(7)
Access to True Blue Online® (3)
FREE
FREE
FREE
FREE
Telephone or Online Bill Pay (3)
FREE
FREE
FREE
FREE
Overdraft Protection (3) (6)
X
X
X
X
Direct Deposit (3)
X
X
X
X
Automatic Transfer of Funds between
CapFed Accounts (3)
X
X
X
X
Cashier's Checks
(4)
(4)
FREE
(4)
Notary Service
FREE
FREE
FREE
FREE
American Express® Travelers Cheques (9)
(5)
(5)
FREE
(5)
Heritage Travel Club Membership
X
True Blue® PRINT Newsletter
X
X
X
X
Special Requirement
NONE
NONE
AGE 50+
STUDENT
VISA® True Blue® Direct Debit Card (6)
and ATM Card (8)
X
X
X
X
Minimum Balance Requirement to Earn Interest
$100
n/a
$100
n/a
Minimum Amount Required to Open
$100
$100
$100
$100
(1) Minimum balance of $100 is required
      to earn interest.
(2) No monthly service charge with an average
     daily balance of $500 or more.
(3) Separate application required.
(4) $3 for each check.
(5) 1% of value of purchase.
(6) Subject to approved application.
(7) Cost varies.
(8) Free usage at all Capitol Federal ATMs.
(9) Does not include Cheques for Two.

NOTICE TO DEPOSITORS -
FDIC Transaction Account Guarantee Program

Capitol Federal is participating in the FDIC's Transaction Account Guarantee Program. Under that program, through December 31, 2011, all non-interest bearing transaction accounts are fully guaranteed by the FDIC for the entire amount in the account.

Coverage under the Transaction Account Guarantee Program is in addition to and separate from the coverage available under the FDIC's general deposit insurance rules.

A transaction account is a checking account only, and does not include Money Market Select accounts or Certificates of Deposit, which will remain insured under normal FDIC rules up to the new permanent limit of $250,000 per account holder.