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 to 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
Free instant issue Mastercard Debit Card
Free online & mobile banking
Free online bill pay
Free e-Statements
No minimum balance
Convenient direct deposit
My Mobile Money App
Turn debit card on/off
Set alerts
See recent transactions
RDC & mobile wallet
Simply Free Checking Accounts
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 and 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 e-Statements, we will waive our low monthly service fee of $5.00.
Deluxe Checking Accounts
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 e-Statements
**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 is $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 Accounts
If you really want to earn the highest dividends and you use your 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 e-Statements
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 Accounts
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
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/Month |
$15.00/Month Waived if A.D.B. of $300.00 |
$12.00/Month 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/Month |
$20.00/Month Waived if A.D.B. of $5,000.00 |
$18.00/Month Non-Activity Fee |
Share Draft Checking Accounts at Bayou Community FCU
| Description | Dividend |
|---|---|
| Checking Account | 0.00% |
| Secondary Checking | 0.00% |
| Simply Free Checking | 0.00% |
| Secondary Simply Free Checking | 0.00% |
| Deluxe Checking | 4.25% |
| Premier Checking | 5.00% |
| Second Chance Checking | 0.00% |
| Small Bayou Business Checking | 1.75% |
| Big Bayou Business Checking | 2.75% |
Not a Member of Bayou Community Federal Credit Union?
Joining is easy! Anyone who works, worships, lives in, or conducts business in Iberville Parish (East side of the Mississippi River) is eligible for membership! Fill out our quick and easy membership application and open a checking account with Bayou FCU today!