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.

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