The Perfect Checking Account for You Is Right Here in Iberville Parish!

When it comes to managing your finances, choosing the right Checking Account is essential. Whether you're looking for a simple, no-fuss account or a robust account with high dividends, Bayou Community FCU has a checking option perfect for your needs.

Banking With Us, Means Investing In Yourself

At Bayou Community FCU, we put our members first. When you open a Checking Account with us, you’re not just another account number—you’re part of a local, member-owned credit union that puts your financial success first while reinvesting in our thriving community.

Lower Fees & Better Rates

Our goal is to help you save, not charge unnecessary fees.

Unlike big banks, we don’t have shareholders, so our profits go back to members through better rates and lower fees.

Convenient Digital Banking

Manage your money whenever you need, wherever you are, with free Online & Mobile Banking. Pay bills easily with free Online Bill Pay and use our My Mobile Money App to turn your debit card on/off, set spending alerts, and track transactions.

Community-Focused Banking

We invest in local businesses, schools, and community initiatives. That means your money stays local—helping your neighbors, not corporate executives.

The Right Checking Account for You

We know that one size doesn’t fit all. That’s why we offer a variety of Checking Accounts to match different needs.

Simply Free Checking – No Fuss, No Worries

Perfect for those who want a straightforward Checking Account with no complicated requirements.

  • No minimum balance required—keep your money flexible.

  • Unlimited check writing for those who prefer writing checks over using a card.

  • No monthly fee for members 19 & under or 55 & over.

  • Set up Direct Deposit & e-Statements to have the $5 monthly fee waived.

Deluxe Checking – Earn While You Spend

Ideal if you use your debit card often and want to earn dividends on your balance.

  • Earn 4.25% APY* on the first $3,000 in your account.

  • Earn above-market dividends on balances over $3,000.

  • No monthly fee if you make at least 15 debit card transactions per month, have Direct Deposit set up, or enroll in e-Statements.

  • If requirements aren’t met, there is a $6 monthly fee.

Premier Checking – Get the Highest Dividends

The best choice for those who want maximum earnings on their balance.

  • Earn 5.00% APY* on the first $5,000 in your account.

  • Earn above-market dividends on balances over $5,000.

  • No monthly fee if you make at least 20 debit card transactions per month, have Direct Deposit set up, or enroll in e-Statements.

  • If requirements aren’t met, there is an $8 monthly fee.

Second Chance Checking – A Fresh Start

Life happens, and we believe everyone deserves a second chance. If you’ve had trouble with banking in the past, this account helps you get back on track.

  • $25 minimum deposit to open the account.

  • Free Mobile & Online Banking to stay on top of your finances.

  • Direct Deposit available to make getting paid easy.

  • Overdraft protection to help prevent negative balances.

  • $10 monthly service charge for account maintenance.

Reliable Checking Account Options for Your Business

Whether you’re launching a startup or managing a growing enterprise, Bayou Community FCU offers Business Checking Accounts designed to support your business needs.

Small Bayou Business Checking

A budget-friendly option for small businesses looking for essential banking features without high costs.

  • Minimum Opening Balance: $100

  • Dividend Rate: 1.75% APY* on balances up to $2,500, 0.20% on balances above

  • Monthly Service Fee: $15 (waived with an average daily balance of $300)

  • Non-Activity Fee: $12/month

Big Bayou Business Checking

A powerful account for larger businesses needing higher transaction limits and enhanced earning potential.

  • Minimum Opening Balance: $250

  • Dividend Rate: 2.75% APY* on balances up to $10,000, 0.30% on balances above

  • Monthly Service Fee: $20 (waived with an average daily balance of $5,000)

  • Non-Activity Fee: $18/month

Every Bayou Community FCU Checking Account Includes:

Instant-Issue Mastercard Debit Card

No waiting! Get your debit card on the spot when you open your account.

Online Checking

Check balances, transfer funds, deposit checks and manage your money from your phone or computer.

No Minimum Balance Requirement

Keep your cash flexible without worrying about maintaining a specific balance.

Free e-Statements & Bill Pay

Go paperless and pay bills securely with just a few clicks.

Mobile Wallet & Remote Check Deposit

Use Apple Pay, Google Pay, or Samsung Pay for secure, contactless transactions.

My Mobile Money App

Turn your debit card on/off if it’s lost or stolen, set spending alerts to track your purchases, view recent transactions, and stay informed.

Open the Best Checking Account for Iberville Parish Residents Today

Your perfect Checking Account is just a click away. Whether you need free, dividend-earning, second-chance, or business checking, Bayou Community FCU has the perfect option for you—right here in Iberville Parish.

*APY = Annual Percentage Yield. Rates are subject to change at any time and are not guaranteed.