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Checking Account

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Open A Checking Account

Everyone loves options! Your checking account shouldn’t be any different.

Whether you’re just starting out in life and only need the basics, want maximize your money or need a second chance, we can help you find the perfect checking account. Our options and features make it easy for you to say “YES”.

Our Checking Accounts Include:



Simply Free Checking

If you don’t make 15 or more debit card transactions a month, opt for Simply Free Checking, which offers a low opening balance of only $50.00, unlimited check writing. This account is eligible for overdraft protection. Members 19 and under or 55 and over never pay any monthly service fee. If you set up direct deposit into your Simply Free Checking and enroll in eStatements we will waive our low monthly service fee of $5.00.


Deluxe Checking

If you prefer using your debit card to make payments, you might as well earn dividends in the process. Deluxe checking earns dividends at 4.25% APY on the first $3,000.00 of your balance and above market dividends on the remaining balance. Qualifications to earn 4.25% APY are:

  • Must have a minimum of 15 point-of-sale settlements each month
  • Must have direct deposit set up in Deluxe Checking
  • Must be enrolled in eStatements

APY – Annual Percentage Yield. Bayou Community Deluxe Checking accounts are variable rate accounts. Bayou Community FCU may change the dividend rate for your account as determined by the Credit Union Board of Directors. Dividends are posted and compounded monthly. Minimum balance $50.00. Applicable fees and conditions could reduce the earnings on your account. If qualifications stated are not met, this account will be charged a $6.00/mo. service fee.


Premier Checking

If you really want to earn the highest dividends and you use you debit card to make purchases and payments, Premier Checking is just right for you. Premier Checking earns dividends at 5.00% APY on the first $5,000.00 of your balance and above market dividends on the remaining balance. Qualifications to earn 5.00% APY are:

  • Must have a minimum of 20 point-of-sale settlements each month
  • Must have direct deposit set up in Premier Checking
  • Must be enrolled in eStatements

APY – Annual Percentage Yield. Bayou Community Premier Checking accounts are variable rate accounts. Bayou Community FCU may change the dividend rate for your account as determined by the Credit Union Board of Directors. Dividends are posted and compounded monthly. Minimum balance $100.00. Applicable fees and conditions could reduce the earnings on your account. If qualifications stated are not met, this account will be charged an $8.00/mo. service fee.


Second Chance Checking

Financial success is within your reach. We understand that bad things can happen to good people, and we think everyone deserves a second chance. With our Second Chance Checking you can be on the road to financial recovery. Details are:

  • $25.00 minimum deposit to open account
  • Access to Everyday Spend Card
  • Free account access 24/7 using Mobile & Online Banking
  • Direct Deposits available
  • No check writing is available
  • No overdraft protection available
  • $10.00 Monthly Service Charge

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