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CHECKING ACCOUNTS IN LOUISIANA

OPEN YOUR CHECKING ACCOUNT.
Have a question? Request a call back.

Or you can call us at (985) 652-4990.

STOP LOSING MONEY ON CHECKING ACCOUNT FEES.

WE'LL HELP YOU GET THERE WITH FREE CHECKING:

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NO MONTHLY SERVICE FEES

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NO MINIMUM BALANCE

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NO MINIMUM DEPOSIT

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OVERDRAFT PROTECTION

COMPARE OUR CHECKING ACCOUNTS.

"Having my savings, credit, and checking accounts with Louisiana FCU gives me great confidence and peace of mind because I know the credit union will always be there when I need them!"

- LANCE F.

LOUISIANA FCU
FREE CHECKING
When we say free we mean free truly free with no asterisk or fine print.

$0
MONTHLY SERVICE FEE

No minimum balance to avoid service fee

No fee nationwide ATM network

Up to $5 overdraft protection transfer fee

Courtesy Pay available

OPEN AN ACCOUNT
LOUISIANA FCU
INTEREST CHECKING
We put your money to work for you and pay you a percentage of your balance as a dividend each year.

$0
MONTHLY SERVICE FEE

$500 balance to avoid service fee

No fee nationwide ATM network

Up to $5 overdraft protection transfer fee

Courtesy Pay available

OPEN AN ACCOUNT
LOUISIANA FCU
REBOOT CHECKING
Recommended for members looking to rebuild their financial history.

$10
MONTHLY MAINTENANCE FEE

$50 minimum to open

Direct Deposit required

Debit card use only as checks are unavailable

Overdraft Protection available from savings

OPEN AN ACCOUNT

ALL LOUISIANA FCU CHECKING ACCOUNTS INCLUDE:

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SECURE MOBILE BANKING

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REMOTE DEPOSITS

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ACCOUNT ALERTS

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SECURE ONLINE BANKING

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SECURE BILL PAY

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SECURE E-STATEMENTS

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MASTERCARD DEBIT CARD

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NATIONWIDE ATM NETWORK

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NATIONWIDE BRANCH NETWORK

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OVERDRAFT PROTECTION

Louisiana FCU checking accounts are enhanced with Overdraft Protection. We offer two different ways to cover your overdrafts:

1. If your account qualifies, the standard overdraft practices that come with your account include Courtesy Pay.

2. We also offer overdraft protection plans, such as links to savings account and lines of credit (loans). These may be less expensive than our standard overdraft practices.

Restrictions may apply. Not all overdrafts are guaranteed.

COURTESY PAY

We authorize and pay overdrafts for members 18 and older at our discretion for checks and other transactions made using your checking account number, automatic bill payments, ACH transactions, and other electronic funds transfers.

You also have the option to opt-in in for courtesy pay for ATM transactions and debit card purchases.

If you have established alternate overdraft protection methods such as a line of credit or automatic transfer from your other accounts, we will always attempt to pay an overdraft using these methods before paying your overdraft utilizing Courtesy Pay.

Restrictions may apply. Not all overdrafts are guaranteed. Terms and conditions.

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ARE YOU READY TO GET A FREE CHECKING ACCOUNT TO HELP YOU GET THERE?

OPEN YOUR CHECKING ACCOUNT.

GET ANSWERS TO FREQUENTLY ASKED QUESTIONS ABOUT CHECKING ACCOUNTS.

What is your routing number?

Our routing number is: 265476411

How do I activate my debit card?

Please call (800) 411-6390 or visit www.activatemycards.com to activate your debit card.

What do I do if my debit card is lost or stolen?

Please call (800) 682-6075 or visit www.reportmycards.com to report a lost or stolen debit card.

How do I reorder checks?

Click here to reorder checks online.

What are the fees for courtesy pay?

When an overdraft is covered, the account will become negative by the dollar amount of the overdraft plus the amount of the Courtesy Pay fee. We may honor multiple overdrafts – up to the limit of $300 excluding the fee for each overdraft. When Louisiana FCU honors items, you must deposit funds immediately, but in no case more than thirty (30) days from the date of your earliest overdraft.

Courtesy Pay is not a loan. If you fail to cover the total overdraft amount within thirty (30) days, Louisiana FCU may pursue all collection options available and you will be removed from the program until the overdraft amount is paid.

The Courtesy Pay Program fee ranges from $25 - $30; depending on your Member Relationship Category regardless of the amount the account is overdrawn. The fee will be charged for each overdraft item presented and paid by Louisiana FCU.

Do I have to apply for courtesy pay?

No. However, government regulations say we may not pay overdrafts on your ATM and everyday debit card transactions unless you ask us. This is called “Opting In”.

Click here to "opt in" for ATM and debit card courtesy pay.

How do I know if I qualify for courtesy pay?

Courtesy Pay is available to members with checking accounts that meet all of the following: must be over 18 years of age with a valid mail address cannot be delinquent on any loans with Louisiana FCU cannot have any charged off loans or shares checking account must have an average daily balance of at least $300 for the past 60 days.

As long as these conditions are met, your Courtesy Pay privilege remains activated. Courtesy Pay is a way for us to provide a higher level of service to our members by protecting your accounts and reputations when an unintended overdraft occurs.

How can I decline courtesy pay?

You may decline the privilege of Courtesy Pay at any time simply by sending written notice to Louisiana FCU, P.O. Box 1956, LaPlace, Louisiana 70069-1956 or call us at 985.652.4990.

Will my debit card work when I travel out of state/out of the country?

If you are traveling, please contact our Account Services Team with your travel dates and destinations. This will allow us to lift out-of-state/out-of-country restrictions so that you can use your Louisiana FCU credit and debit cards with zero issues.