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.

21-Month CD
3.90 % APY

Open online or at any Capfed® branch.

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.

    Phone screen with symbol showing how easy it is to send money.

    Send Money Safely with True Blue Online®

    Send safely. Make sure your money is in the right place and being sent to the right people before hitting send.
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    Different currency bills.

    Understanding Foreign Currency: A Beginner's Guide

    Learn the importance of foreign currency and how Capitol Federal® can help you get the currency you need.
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    John B. Dicus headshot.
    March 12, 2025

    Chairman's Desk - Spring 2025

    With the year’s most vibrant season upon us, I’m pleased to share some updates and express my sincere gratitude for your continued trust in Capitol Federal® as your banking partner. This spring, we’re looking forward to introducing both new and familiar services designed to meet your evolving financial needs.
    Read more