Open Your Free Checking Account
Get Paid Early with 2Day Early Pay®
Free checking accounts with all the perks
Accessing your money should be simple, convenient, and on your terms. That’s just how we roll.
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2Day Early Pay®
Get your paycheck up to 2 days earlier than your normal payday. Included on all accounts with Direct Deposit.
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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.
Checking Account Options
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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
- 2Day Early Pay®
- 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
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Elite Checking Account
FREE
For when you want a simple, free, no strings attached checking experience.
- 2Day Early Pay®
- $0 monthly maintenance fee
- $5 minimum opening deposit
- $0 minimum account balance requirement
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Student Checking Account
FREE
Put your student on the path to a responsible financial future.
- 2Day Early Pay®
- Designed for members 13-24
- Optional daily spending limits for peace of mind
- Links to parents’ membership for easy online funds transfers
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Opportunity Checking Account
MONTHLY FEE
For when you’re ready to establish positive checking account habits.
- 2Day Early Pay®
- $10 monthly maintenance fee
- $50 minimum deposit2 to your savings account and $5 minimum deposit to your checking account
- $0 minimum account balance
Protect Your Account
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.
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.
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. Standard text message and data rates may apply from your wireless carrier.
With 2Day Early pay, your paycheck is available up to 2 days before your normal payday. This service is free on all checking accounts with Direct Deposit. So if you normally get paid on Friday, you’ll now see your paycheck in your account as soon as Wednesday.
No! 2Day Early Pay is a free service available with our checking accounts. If you’ve set up direct deposit, there’s nothing additional for you to do.
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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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.
Visa Credit Cards
Baton Rouge Telco FCU proudly offers a Visa Gold credit card with rates starting at only 9.90% APR3. That’s practically unbeatable nationwide.
Open your checking account today.
Maximum Cash Back Each Month for Everyday Spending
Earning 4.00% APY with Premier Interest Checking is easier than you think. Qualify for up to $400 per year in earnings! Opening your account is easy and rewarding. Get started today.
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.