FAQs: General Checking and Savings Questions

The optional limits are a $300 daily spending limit and $100 daily ATM limit.
Upon (or shortly thereafter) the Primary Owner (Minor)’s 24th birthday, the Student Checking account will be converted to the Premier Interest Checking account product type.
Upon the Minor’s 18th birthday, the All-Star Savers account will be closed and all funds will be transferred into the Regular Share savings account.
Yes! We also offer a Special Savings account in the event you have a need to keep a separate savings for something...well, special.
The $5 on hold in your savings account is your owner's share of the credit union. This will be on hold for the life of the account.
Yes, in order to establish membership with Baton Rouge Telco, you must open a savings account with a $5 minimum balance. The $5 will be held for the life of the account.
In order to qualify for monthly dividends from the Premier Interest Checking Account, be sure you’ve met the following criteria: 1) You’ve signed up for eStatements, 2) You’ve set up direct deposit in any amount into any account within your membership, and 3) You’ve made at least 15 debit card (non-ATM) transactions that have posted and settled to your account within the calendar month. If you don’t meet the criteria one month don’t worry! You’ll still earn 0.05% APY on your average daily balance over $2,500. The following month you’ll be eligible again to qualify for the 4.00% APY. With the Premier Interest Checking Account, there are never any penalty fees or minimum balances to maintain for not meeting account dividend requirements.
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.
Log in to Online Banking and access Order Checks from the Additional Services menu.
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.
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.
Baton Rouge Telco Federal Credit Union’s routing number is 265473320.

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