Personal Banking
Louisiana Personal Checking Accounts
Personal Checking
If a customer writes more than 20 checks per month, you may be interested in a Personal Checking Account. Your checking account is an important tool in managing your personal or business finances, providing convenience and safety as well as record keeping capabilities. Choosing the right checking account is also very important
- No per check charge
- No average daily balance requirement
- Free online banking
- Free direct deposit
- Overdraft protection available
|
Minimum Daily Balance |
Monthly Maintenance Charge |
|---|---|
| $750 and above | No monthly charge |
| $600 to $749 | $3.00 |
| $400 to $599 | $5.00 |
| $200 to $399 | $7.00 |
| $199 to $-0- | $9.00 |
| Below $-0- | $12.00 |
Insured Investment Account
With our Insured Investment Checking Account, it allows the customer to possibly earn interest and pay less, depending on the minimum account balance and number of deposits and withdrawals. Federal Regulations require that we enforce the transaction restriction.
|
Minimum Daily Balance |
Interest Rate |
Monthly Maintenance Charge |
Monthly Withdrawals |
Monthly Deposits |
|---|---|---|---|---|
| $2,500 & above | Market | No Monthly Fee | *6 free then $10 per withdrawal | 20 free then $ .15 each |
| $-0- to $2499 | -0- | $10.00 | Same | Same |
| Below $-0- | -0- | $13.00 | Same | Same |
*Federal regulations require that we enforce the transaction restriction. No more than 6 preauthorized withdrawals, automatic or telephonic transfers, checks, drafts, and debit card and similar transactions from your account per month or statement cycle.
NOW Account
Our NOW Account allows you to earn interest on your checking account. If you only write a few checks per month, and would like to earn interest on your balance, you may be interested in a NOW Account.*
|
Minimum Daily Balance |
Interest Rate |
Monthly Maintenance Charge |
Per Item Charge |
|---|---|---|---|
| $2,500 & above | Market | No monthly Fee |
20 free then $ .20 each |
| $1,000 - $2,499 | Market | $10.00 | $ .20 each |
| $999 - $-0- | -0- | $10.00 | $ .20 each |
| Below $-0- | -0- | $13.00 | $ .20 each |
* Not available to corporations or partnerships
Advantage Checking
With our Advantage Checking our mature customers can avoid service charges with a non interest bearing account available to our 50+ customers.
|
Minimum Daily Balance |
Monthly Maintenance Charge |
|---|---|
| $-0- and above | No monthly fee |
| Below $-0- | $3.00 |
No charge for travelers checks, cashiers checks and money orders.
Grand Checking
Our Grand Checking Account allows customers who maintain an Average Daily Balance of $7500.00 to avoid a monthly fee. This account is an interest bearing account.
|
Minimum Daily Balance |
Interest Rate |
Monthly Maintenance Charge |
|---|---|---|
| $7500 & above | Market | No Monthly Fee |
| $7499 to $ 0 | -0- | $25.00 |
| Below $-0- | -0- | $28.00 |
Free Basic checks
No monthly fee for Check Card
Not available for Corporate or Partnership Accounts.
Miscellaneous Charges
| Service | Fee |
|---|---|
| NSF or Overdraft | $28.00 |
| Stop Payment | $22.00 |
| Telephone Transfer | $1.00* |
| Telephone Inquiries | $1.00* |
| Account Research, Checkbook Balancing | $20.00/Hour ($10.00 min.) |
NSF/Overdraft fees may be incurred by the following types of transactions: Teller withdrawals, ATM withdrawals, debit card transactions, preauthorized automatic debits, telephone-initiated transfers, checks, and/or other electronic transfers, as applicable.
* Free of charge by using TELEBANK-24, our 24 hour banking by phone, online banking, or our mobile banking.
Early closeout charge of $20.00 applies to accounts closed within 6 months of opening.
