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Our convenient checking accounts make it easy to manage your money your way! Whether you're looking for a simple account for everyday spending, you want to earn dividends, you need flexible checking for your small business, or you want to rebuild your banking history, we've got you covered. Open one of our checking accounts today for hassle-free banking you can count on.
Get more from your everyday banking with a checking account that combines convenience and savings. Accounts have no monthly maintenance fees and earn a competitive rate.
Take advantage of convenient features and rewards that make banking easier and more rewarding.
Elite Checking is the ideal checking account for your everyday needs. It’s the perfect choice for simplifying your daily spending and saving on fees.
Take advantage of convenient features and rewards that make banking easier and more rewarding.
Get a fresh start with a checking account that helps you move toward a brighter tomorrow.
Take advantage of convenient features and rewards that make banking easier and more rewarding.
Call 225.924.8900 or visit a branch to open an Opportunity Checking account
Simplify your finances with a checking account that's designed for the unique needs of small businesses.
Take advantage of convenient features and rewards that make banking easier and more rewarding.
Call 225.924.8900 or visit a branch to open a Small Business Checking account.
Is a debit card included with your checking accounts?
Absolutely! Our checking accounts allow you to make convenient debit card purchases online and in person.
Does Baton Rouge Telco offer overdraft protection?
Yes, with our Overdraft Protection, you can link your Baton Rouge Telco savings account to your checking account. If funds are unavailable in your checking account, we will transfer money from your savings (if available) to cover the transaction to avoid an overdraft fee. This service is available at a charge of $5 per item.
Can I set up direct deposit to my checking account?
Yes, you can set up direct deposit with your employer to have your paycheck automatically deposited into your checking account. This provides faster access to your funds and eliminates the need to visit a branch.
Are your checking accounts insured?
Yes, all of our checking accounts are federally insured by the National Credit Union Administration (NCUA) for up to $250,000.
Do your checking accounts include free online banking and bill pay?
Yes, all of our credit union checking accounts include free online, mobile, and text banking. With online and mobile banking, you can conveniently pay bills, check your account balance, and take care of other banking tasks. You can also use our mobile app for remote check deposits, which saves trips to a branch. Also, with text banking, you can receive account alerts to stay informed about your account balance and transactions.
Can I access my account when I’m traveling?
Yes, through Co-Op Shared Branching, you can access your bank account through over 5,000 shared branches nationwide!
Can I make ATM withdrawals when I’m traveling?
Yes, you'll have access to over 120 local ATMs without being charged a fee, and 73,000 nationwide. This allows you to make convenient ATM transactions while you are traveling.
Do I need to be a member to open a Baton Rouge Telco checking account?
Yes, you will need to become a Baton Rouge Telco member to open any of our checking accounts. Membership is open to anyone who lives, works, or attends school in one of the following Louisiana parishes:
Parents, children, siblings, grandparents, grandchildren, stepparents, or stepchildren of Baton Rouge Telco members are also eligible to join.
Disclosures
1APY Annual Percentage Yield. APY is Telco’s current rate. Rates may change after the account is opened. Minimum deposit of $5.00 to open an account. Dividends are calculated on a daily balance method and are compounded and credited monthly. To qualify for 5.55% APY, the following qualifications must be met within each month: 1) make 15 debit card transactions (non-ATM) that post and settle to your account before the last day of each month. Members can fulfill the 15 debit transaction requirements with a variety of transactions, including: both in-person and online transactions, swipes/dips/taps-to-pay, one-time or recurring transactions, and tokenized transactions; 2) receive direct deposit in any amount to any account within the membership; and 3) enroll in eStatements. The monthly qualification cycle is defined as the period beginning the first day of the current statement cycle through the close of the current statement cycle. If you do not meet all the qualification requirements during the monthly qualification cycle, you will receive the dividend rate of the Elite Checking account as listed in the Rate Schedule; the balance of the account must be at least $2,500.00 to receive dividends. Fees may reduce earnings. For new members, an additional minimum deposit of at least $5 will be required to open a Regular Share account to join Telco. Membership requirements do apply.
22-Day Early Pay is available for members with Telco accounts that set up direct deposit with their employer or other payer to receive electronic deposits of regular periodic payments(such as salary or government benefits). We will post ACH deposits immediately upon receipt from the Federal Reserve, which can be 2 business days before the actual effective date. However, early posting is not guaranteed and is contingent upon the deposit being received earlier than the effective date.
3Balances over $2,500 are eligible. Rates may change after the account is opened. Minimum deposit of $5.00 to open the account. Dividends are calculated on a daily balance method and are compounded and credited monthly.
4Special hold placed on $50 as long as the account remains open.
5Excess usage fee of $20 per month may apply if the account has over 100 combined transactional items (and the account will be subject to closure).
Before you begin the balance transfer process, let's get a BR Telco Visa credit card opened for you. We offer two great credit cards to fit your lifestyle. Our credit cards feature no annual fees, no balance transfer fees, and practically unbeatable rates. You can begin your online application here.
Complete this short form and we’ll have one of our experts contact you to discuss options.
Federally insured by NCUA. Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government – National Credit Union Administration (NCUA), a U.S. Government Agency.
