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Open Your Free Checking Account

More of what you want, less of what you don’t. Really!

Open an account

Accessing your money should be simple, convenient, and on your terms. That’s just how we roll.

  • Woman at the ATM withdrawing money from her Baton Rougue Telco checking account

    Anywhere Access

    With your free instant issue Visa® Debit Card, you have access to 73,000 surcharge-free ATMs nationwide.

  • Father holding his daughter while shopping at a clothing store after checking his checking account balance using a digital option.

    Bank On The Go

    Enjoy banking freedom with full-service digital options like eStatements, bill pay, budgeting tools, and more.

  • Woman at her computer reviewing the terms for her new Baton Rouge Telco checking account

    No Minimum Balance

    Our checking accounts come with peace of mind—no need to worry about additional fees if your balance gets low.

  • Premier Interest Checking Account

    FREE

    Open a Premier Interest Checking Account when you’re ready for your money to work for you.

    • Earn 4.00% APY1 on balances up to $10,000 when you meet the qualifying criteria
    • No fees or penalties if you don’t meet the qualifications to earn 4.00% APY
    • Earn a standard rate on months you don’t qualify

    Learn more

  • Elite Checking Account

    FREE

    For when you want a simple, free, no strings attached checking experience.

    • $0 monthly maintenance fee
    • $5 minimum opening deposit
    • $0 minimum account balance requirement

    Learn more

  • Student Checking Account

    FREE

    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

    Learn more

  • Opportunity Checking Account

    MONTHLY FEE

    For when you’re ready to establish positive checking account habits.

    • $10 monthly maintenance fee
    • $50 minimum deposit2 to your savings account and $5 minimum deposit to your checking account
    • $0 minimum account balance

    Learn more

Overdraft Protection

Protect yourself from those overdrafting your account.

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 a $5 charge per item.

Overdraft Privilege

Opt-in for peace of mind at checkout.

By opting in to 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.

There 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.

Patrick M., Credit Union Member for 23 years

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. Standard text message and data rates may apply from your wireless carrier.

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.

Savings Accounts

Good spending habits and good savings habits go hand in hand. Ensure you have the right tools in place for hitting your savings goals.

Explore Savings Options

Visa Credit Cards

Baton Rouge Telco FCU proudly offers a Visa Gold credit card with rates starting at only 7.90% APR3. That’s practically unbeatable nationwide.

Explore Visa Credit Cards
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Disclosures

1 APY – Annual Percentage Yield. APY is Telco’s current rate. 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 15 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.

2 Special hold placed on $50 as long as the account remains open.

3 Quoted APR is Telco’s current rate. 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.