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Share Draft/Checking Account

Become a Member
Open A Checking Account

Our Share Draft Checking comes with everything you need plus a few extra features:

  • Low monthly fee of $2.00 unless a $500.00 balance is maintained
  • Includes Life Savings Insurance up to $3,000.00
  • Access funds with an ATM/Debit Card
  • Assisted Check Ordering

Checking Accounts

Personal Checking Accounts

Account Type Sub Acct No. Eligible for Master Card Pays Dividends Refunds Foreign ATM Fees Monthly Svc. Fee Add'l Fees Qualifications
Simply Free Checking 110 Yes No Yes
Up to $10.00/Mo.
$5.00/Mo. Waived w/ Direct Deposit N/A
  1. Free Checking w/ Dir. Deposit
  2. Free Checking for Members 19 & Under
  3. Free Checking for Seniors 55+
Deluxe Checking 116 Yes Yes
$0-$2,500.00
1.25%

$2,500.00+
.25%
Yes
Up to $10.00/Mo.
$6.00/Mo.
Waived if A.D.B. of $1,000.00 & all qualifications met
$8.00/Mo.
Non-Activity Fee
  1. 5 Debit Card Swipes/Mo
  2. $1,000.00 Avg. Daily Balance
  3. Dir. Dep. Into Deluxe Checking
  4. Enrolled In eStatements
Premier Checking 121 Yes Yes
$0-$5,000.00
1.75%

$5,000.00+
.15%
Yes
Up to $10.00/Mo.
$8.00/Mo
Waived if A.D.B. of $2,500.00 & all qualifications met
$12.00/Mo.
Non-Activity Fee
  1. 10 Debit Card Swipes/Mo
  2. $2,500.00 Avg. Daily Balance
  3. Dir. Dep. Into Premier Checking
  4. Enrolled in eStatements
Second Chance Checking 126 No
Eligible for Everyday Spend Card
No N/A $10.00/Mo.
  1. 1. $5.00/Card
  2. $.50/Mo. for every active card
  3. $1.75/Mo. Service Fee
  4. $.50 Reload Fee
  5. $3.00 Inactivity Fee (fee begins in 4th month)
  6. 2% foreign currency exchange fee
  7. $.50 denied transaction fee
  8. $1.50 ATM W/D Fee
  9. $5.00 Lost/Stolen Replacement Card Fee
  10. $.50 negative Balance Fee
  11. $15.00 Cash Out Fee

Business Checking Accounts

Account Type Sub Acct. No. Minimum Opening Bal. Pays Dividends Refund Foreign ATM Fees Monthly Service Fee Add'l Fees
Small Bayou Business Checking 131 $100.00 Yes
$0-$2,500.00
1.75%

$2,500.00+
.20%
Yes
Up to $10.00/Mo.
$15.00/Mo.
Waived if A.D.B. of $300.00
$12.00/Mo.
Non-Activity Fee
Big Bayou Business Checking 136 $250.00 Yes
$0-$10,000.00
2.75%

$10,000+
.30%
Yes
Up to $10.00/Mo.
$20.00/Mo.
Waived if A.D.B. of $5,000.00
$18.00/Mo.
Non-Activity Fee

Enroll your debit card in SecureCode

  • Mastercard SecureCode is a private code for your Mastercard account that gives you an additional layer of online shopping security.
  • Only you and your financial institution know what your code is — merchants aren't able to see it.

Visit any of our branches to enroll.