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Bayou FCU Share Draft/Checking Accounts

Checking with Bayou Federal Credit Union is easy and convenient and designed for members desiring quick access to their funds while earning interest or for those who need only a simple, no-fee checking account! With several options to choose from, we have a checking account that’s right for you. And, with direct deposit, your paycheck can go directly into your Bayou Federal Credit Union checking account and you’re ready to go!

With all of our checking accounts, members receive the benefits of:

  • No per-check charges
  • Duplicate checks which eliminate the need to record individual checks on a ledger
  • Easy to read monthly statements
  • Overdraft Protection (transfer from Share Savings Account, VISA credit card or line-of-credit loan)
  • Bayou FCU VISA Check Card (subject to approval)
  • Personal Teller 24-hour Account-by-Phone automated access
  • E-Teller Online Account Access Service with bill payment feature
  • ODP up to $500 (eligibility required)

FREE Regular Checking
The benefits of this non-interest bearing FREE checking account are perfect for members who prefer the convenience of checks and/or a check card without the hassle of carrying cash!

  • NO monthly service charge
  • NO minimum balance required
  • Unlimited check writing privileges
  • Direct Deposit and Payroll Deduction available

CUPID Checking
Our CUPID (Credit Union Pays Interest Daily) account is a high yield demand deposit account for members who like the convenience of free unlimited check writing with an entire list of added advantages.

  • Earns dividends daily with monthly posting and compounding
  • $2,500 Minimum Balance required
  • NO monthly service charge when minimum balance is maintained
  • Competitive dividend rates
  • Unlimited check writing privileges

Money Market Plus Checking
Money Market Plus is offered for members looking for the highest earning return on their checking deposits.

  • Tiered Rate Account – the more you deposit, the higher rate you earn
  • Dividends paid and compounded monthly
  • $10,000 Minimum Balance
  • NO monthly service charge when minimum balance is maintained
  • Competitive dividend rates
  • 6 withdrawals per month permitted

VISA Check Card
Our Visa Check Card (Debit Card) gives you all the conveniences of an ATM card. Make a purchase or receive cash back at thousands of locations where the Visa and PULSE logo is displayed. Your card will also access your account for withdrawals at any ATM displaying the PULSE or VISA logos.

Your Bayou Federal Visa Check Card allows you to pay for purchases directly from your share draft account---without writing a check – anywhere Visa is accepted and your purchase is automatically deducted from your credit union checking account! That includes restaurants, convenience stores, movie theaters, and more! With a Bayou Federal Visa Check Card you can make your purchase or receive cash back at thousands of locations!

Just swipe the card, sign the purchase receipt and you're on your way. NO waiting for check approval. And, you can use your Bayou Federal Visa Check Card for purchase power online or when placing an order over the phone.

Click here for a printable version of the VISA Check Card application.

Reorder Checks
Now you can reorder your Bayou FCU share drafts/checks online with just the click of a mouse from the comfort of your home or the office! Simply click on the link below to visit our Liberty Check Reorder Site.