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Share Accounts

Fee Name Fee Amount
Minimum Amount to Open Account $25
Membership Joining Fee $5
Early Closure Fee $10 (if account is closed within six months)
Re-open Account Fee $10
Excessive Withdrawal Fee $2/transaction (after six free per month)
Club Account Withdrawal Fee $2/withdrawal (limit of two per year)
Inactive Account Fee $5/month once balance falls below $25
Dormant Fee $5/quarter if balance falls below $200
Outgoing Wire Transfer Fee $20/item
 

Share Draft Accounts

Account Name Fee Amount Exceptions
Simply Free Checking $5 Monthly Service Charge Fee Waived if
  • Direct deposit into Simply Free Checking
  • Enrolled in e-Statements
  • 19 years old and under
  • 55 years old and above
Deluxe Checking $6 Monthly Service Charge Fee Waived if
  • Direct deposit into Deluxe Checking
  • Enrolled in e-Statements
  • Minimum of 15 debit card transactions posted/month
Premier Checking $8 Monthly Service Charge Fee Waived if
  • Direct deposit into Premier Checking
  • Enrolled in e-Statements
  • Minimum of 20 debit card transactions posted/month
Second Chance Checking $10 Monthly Service Charge
Small Bayou Business Checking $15 Monthly Service Charge
Excessive Transactions:
  • $2,500 cash deposited each month ($.002/$1 thereafter)
  • 25 rolls of coins deposited each month ($.10/roll thereafter)
  • 3% of the amount of UNROLLED coins deposited
  • $1,500 cash out available per month ($.002/$1 thereafter)
  • 5 rolls of coins available/month ($.10 roll thereafter)
Fee Waived if
  • ADB remains above $300
  • First 150 items are free, $.25/item thereafer
  • $12/month non-activity fee if there is no activity in the account for the month
Big Bayou Business Checking $20 Monthly Service Charge
Excessive Transactions:
  • $5,000 cash deposited each month ($.002/$1 thereafter)
  • 50 rolls of coins deposited each month ($.10/roll thereafter)
  • 3% of the amount of UNROLLED coins deposited
  • $3,000 cash out available per month ($.002/$1 thereafter)
  • 10 rolls of coins available/month ($.10 roll thereafter)
 Fee Waived if
  • ADB remains above $5,000
  • First 300 items are free, $.30/item thereafer
  • $18/month non-activity fee if there is no activity in the account for the month
 

NSF

Fee Name Fee Amount
ACH, Debit Card or Checks:
Any item which tries to clear your account and funds are or available, we chage per item whether items are
  • PAID or
  • RETURNED
 $28/item
 

Share Draft

Fee Name Fee Amount
Stop Payment $28
Copy of Draft $2/draft
Member or Non-Member Official Check $5/check
Courtsey Pay
A service that allows us to PAY an item presented for payment for your checking account even if it causes the account to become overdrawn. This may include checks, ACH, in-person withdrawals, debit card and bill pay transactions.		 $28/item (effective 10/1/2021)
Overdraft Transfer $5/transfer
Deposited Item Returned $28/item
 

Debit Card

Fee Name Fee Amount
Replacement Debit Card $20/card (after first free with Bayou CFCU logo)
  • $10 for custom background
Debit Card/ATM PIN Usage Free $2/transaction after sixth free withdrawal
 

Visa® Credit Card

Fee Type Fee Amount
Credit Card Application $10
Cash Advance $2-$5
Balance Transfer $6
Late Payment $25
Replacement Card $10
Over the Limit $20
Returned Payment $6
Statement Check $6
Card Rush (3-4 days) $15
Card Recovery $75
Document Copy $15
 

Visa® Gift Cards (non-reloadable)

Fee Type Fee Amount
Member $2.50/card
Non-Member $5/card
 

Visa® Everyday Spend (reloadable)

Fee Type Fee Amount
New Card $5/card
Monthly Fee $1.75/active card
Inactive Fee $3/month (billing begins in fourth month)
Denied Transaction $.52/denial
ATM Withdrawal $1.50/withdrawal
Lost/Stolen Replacement Card $5/card
Reissued Replacement Card $3.50/card
Negative Balance $.50
Cash Out $15/item
VRU Calls 1st four/month = free
$.50/call thereafter
Live Customer Service Call 1st two free
$5/call thereafter
Card Reload $.50/reload
 

Other Services

Fee Type Fee Amount
Loan Application $5
Late Payment (Loan) $15
Loan Processing (non-auto) $20
Automobile Loan Processing $28
Real Estate Application 1% origination fee
Real Estate Loan Closing $850
Account Reconciliation $15/hour
Fax Service $2/fax
Money Orders $.99/item ($1,000 maximum limit)
Address Update $5/returned item
Statement Copy $5/statement
Photocopy $1/copy
Escheat 20% of account balance
Non-Member Cashier's Check $5/check
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The fees appearing in this schedule are accurate as of the Effective Date indicated on this Truth-in-Savings Disclosure. If you have any questions or require current rate and fee information on your accounts, please call the Credit Union.