To protect our members, Telco uses a monitoring service that tracks all member accounts for unusual transactions. When we know you’ll be making a purchases in another state or country, we can cancel any automated fraud protection measures from disrupting your trip. Log into Online Banking to contact us securely with your travel plans.
Yes! Apple Pay is available for our debit and credit cards. If you receive a notification that verification is needed, please call 225.924.8900, Option 2, to speak to one of our Card Services representatives.
You will receive provisional credit for disputed transactions in 3 – 5 business days from the date it was received by the Credit Union.
Cash Back rewards are deposited automatically to your savings account every month! Don’t worry about requesting a check, logging in to claim anything, or jumping through hoops. We do the work for you!
No, but our gimmick-free credit cards offer something better – low interest rates all the time, no balance transfer or annual fees and no confusing promotional periods.
Zero. Zip. Nada. We offer no-fee balance transfers for all of our cards.
APR rates for the Visa Gold Credit Card are determined by several factors, including your credit score, monthly income, and debt repayment history. Please contact your nearest Baton Rouge Telco branch to learn more.
If you believe that there has been unauthorized activity on your Visa Gold Credit Card, please contact the Baton Rouge Telco fraud center by texting or calling 225.924.8900.
At Baton Rouge Telco, your financial success is our primary motivation. That’s why your Visa Cash Back credit card provides unlimited cash back for every and any purchase. Make your goals a reality!
Anything and everything you swipe with your Visa Cash Back credit card is eligible for rewards. Groceries, gas, and even vacation rentals are all approved transactions for cash back credit rewards.
All cash back rewards made during a particular month are deposited into a qualified savings account at a pre-established date. This usually occurs once per month. Your rewards are in good hands!
Generally, it takes about 30-45 days for your new account to be reported to the credit bureaus. From there, each month you pay off your card balance, your credit builds.
You establish your secured card account with a deposit when you open it. Each month you pay off your balance. If something happens and you can’t make the payment, your deposit is used to pay your balance.
Secured credit cards allow you to qualify with subpar or no credit, and you build your credit every time you use your card. That makes secured cards an excellent way to establish or improve credit history.
We can instantly issue a card for you. That’s great, right? So you can walk out with your new card the same day if you visit any of Baton Rouge Telco branches.
We’ll need your name, address, Social Security number, income, and monthly household expenses to apply for a Visa Credit Card.
Yes. But the good news is that becoming a member is easy, and it comes with many incredible benefits. So apply online today! We’d love to have you as a member.
APR rates for Visa Credit Cards are determined by several factors, including your credit score, monthly income, and debt repayment history.
You can contact your nearest Baton Rouge Telco branch to learn more.
No, but we offer something even better – low interest rates all the time, no balance transfer or annual fees, and no confusing promotional periods. With Baton Rouge Telco you get the best rates and benefits all of the time.
Yes, you can save money on your auto rental coverage by saying no at the counter. Rent with your covered Baton Rouge Telco Visa Gold or Cash Back card and get built in Auto Rental Coverage. To learn more about this benefit or to file a claim, go to www.eclaimsline.com, call 800-348-8472 or call collect 804-673-1164 (outside the US). Certain terms, conditions and exclusions apply. In order for coverage to apply, you must use your covered Baton Rouge Telco Visa Gold or Cash Back card to secure transactions. Please refer to your Guide to Benefits for further details.
Plus, we offer Roadside Dispatch. It’s a pay-per-use roadside assistance program that provides you with security and convenience wherever your travels take you. Dependable roadside assistance, 24/7. No membership or pre-enrollment is required. Click here for more info.
Yes. Once you have the supporting documentation, like a new Social Security Card and/or updated government ID, you can come in to see us at any branch location to make the change.
There are no fees with balance transfers for all of our cards.
Manage your card on the go with free 24/7 account access and mobile and online banking.
You can also link all your Telco accounts together for easy, all-in-one management. Make payments, transfers, and more in one place.
Yes! If traveling out of the country (international travel), travel notes are highly recommended at this time. Just let us know before you go so we can remove the automated fraud protections from your account. You can do this quickly and securely by logging into your Online Banking account.
We have updated our card restrictions to be more travel friendly for our cardholders. What this means is that if you did not provide travel information to us, and your card is used properly at a terminal (chip inserted at chip terminal) then your card should not decline regardless of your location within the U.S. If traveling out of the country (international travel), travel notes are highly recommended at this time. To provide travel information you can email [email protected], send secure message via online banking, or contact the credit union.