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Checking Accounts
More of what you want, less of what you don’t. Really!
Free checking accounts with no hoops
Accessing your money should be simple, convenient, and on your terms. That’s just how we roll.
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Anywhere Access
With your free instant issue Visa® Debit Card, you have access to 73,000 surcharge-free ATMs nationwide.
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Bank On The Go
Enjoy banking freedom with full-service digital options like eStatements, bill pay, budgeting tools and more.
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No Minimum Balance
Our checking accounts come with peace of mind. No need to worry about additional fees if your balance gets low.
Let’s find the right checking account for you:
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Best if you want:
Best if you want:
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Minimum opening deposit
Minimum opening deposit
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Minimum balance
Minimum balance
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Monthly Fee
Monthly Fee
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Dividends
Dividends
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Overdraft protection
Overdraft protection
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Overdraft privilege
Overdraft privilege
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Elite
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Best if you want:
Simple, free, and no strings attached checking
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Minimum opening deposit
$5
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Minimum balance
None
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Monthly Fee
$0
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Dividends
0.05% APY3 on balances over $2,500
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Overdraft protection
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Overdraft privilege
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Premier Interest
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Best if you want:
High interest for meeting simple qualifications
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Minimum opening deposit
$5
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Minimum balance
None
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Monthly Fee
$0
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Dividends
4.00% APY2 on balances up to $10,000
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Overdraft protection
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Overdraft privilege
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Student
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Best if you want:
Benefits designed for busy students
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Minimum opening deposit
$5
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Minimum balance
None
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Monthly Fee
$0
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Dividends
0.50% APY3 on balances up to $10,000
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Overdraft protection
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Overdraft privilege
No
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Opportunity
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Best if you want:
To get back on the road to financial recovery
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Minimum opening deposit
$50 minimum deposit to Savings1 and $5 minimum deposit to checking
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Minimum balance
None
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Monthly Fee
$10
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Dividends
0.05% APY3 on balances over $2,500
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Overdraft protection
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Overdraft privilege
No
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Find a location near you to open your account
Patrick M., Credit Union Member for 23 yearsThere are always smiling faces when you walk in the door. The folks here are very helpful and take care of what you need. I couldn’t ask for a better place to take care of my banking needs.
Student Checking
Put your student on the path to a responsible financial future.
- Designed for members 13-24
- Optional daily spending limits for peace of mind
- Links to parents’ membership for easy online funds transfers
Premier Interest Checking
It’s time to let your money do more for you.
Earning 4.00% APY2 on balances up to $10,000 is easy with these simple requirements:
- Enroll in eStatements
- Set up monthly Direct Deposit into any Telco account
- Minimum of 25 debit card (non-ATM) transactions
If you don’t qualify one month, don’t worry! There are never any fees or penalties. You’ll just earn the standard rate that month.
Overdraft Protection
Protect yourself from those “oops” moments.
If funds are unavailable in your checking account, we will transfer money from your savings (if available) to your checking account to cover the transaction. This service is available at $5 charge per item.
Overdraft Privilege
Opt-in for peace of mind at checkout.
By opting into this service, we will authorize your checking account to accept charges, even if the funds are not available, up to $500. There is a $30 transaction fee for each charge submitted to your overdrawn account. Opt in now by logging into Online Banking and selecting “Opt In” from the Secure Forms menu.
Checking FAQs
Baton Rouge Telco Federal Credit Union’s routing number is 265473320.
Online Banking, Mobile App (with Quick Access widget options), text banking, MANDI, and more! Checking your balance is quick and easy with all of our digital banking tools.
It’s super easy! In our Mobile App, tap on More in the bottom menu, then tap eStatements. Or from Online Banking, select eStatements in the top menu and follow the prompts.
Log in to Online Banking and access Order Checks from the Additional Services menu.
Overdraft Protection: If funds are unavailable in your checking account, we will transfer money from your savings (if available) to your checking account to cover the transaction. This service is available at $5 charge per item.
Overdraft Privilege: By opting into this service, we will authorize your checking account to accept charges, even if the funds are not available, up to $500. There is a $30 transaction fee for each charge submitted to your overdrawn account. Opt in now by logging into Online Banking and selecting “Opt In” from the Secure Forms menu.
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Mobile Banking
Manage your checking account on the go. Check your balance, pay bills, deposit checks, transfer funds, and more! It’s like having a branch in your hands.
Visa Credit Cards
Baton Rouge Telco FCU proudly offers a Visa Gold credit card with rates starting at only 7.90% APR5. That’s practically unbeatable nationwide.
Open your checking account today.
Disclosures
1 Special hold placed on $50 as long as the account remains open.
2 APY – Annual Percentage Yield. APY is effective as of November 1, 2019. Rates may change after account is opened. Minimum deposit of $5.00 to open account. Dividends are calculated on a daily balance method and are compounded and credited monthly. To qualify for 4.00% APY, the following qualifications must be met within each month: 1) make 25 debit card transactions (non-ATM) that post and settle to your account before the last day of each month; 2) receive direct deposit in any amount to any account within the membership; and 3) enroll in eStatements. The monthly qualification cycle is defined as the period beginning the first day of the current statement cycle through the close of the current statement cycle. If you do not meet all the qualification requirements during the monthly qualification cycle, you will receive the dividend rate of the Elite Checking account as listed in the Rate Schedule; the balance of the account must be at least $2,500.00 to receive dividends. Fees may reduce earnings. For new members, an additional minimum deposit of at least $5 will be required to open a Regular Share account to join Telco. Membership requirements do apply.
3 APY – Annual Percentage Yield. APY is effective as of November 1, 2019. Rates may change after account is opened. Minimum deposit of $5.00 to open account. Dividends are calculated on a daily balance method and are compounded and credited monthly.
4 Message and data rates may apply from your wireless carrier.
5 Quoted APR is Telco’s current rate as of November 1, 2019. All rates, terms, and conditions are subject to change and are based on creditworthiness. Low minimum monthly payments of 2% of the balance or $10 (whichever is greater). Cash advance fee of $10 or 2% of the amount of each cash advance (whichever is greater). Overdraft Protection Fee: $5 per transfer – if you opted to use the line of credit (LOC) as a transfer source. Account Transfer Fee: $10 or 2%, whichever is greater, per transaction. This includes any transfer of funds from the LOC to an account, either in person or electronically.