Checking Accounts


Super-Charged Checking

You work hard for your money, shouldn't that money return the favor by earning a higher interest rate?!  Earn 3.04% APY* on balances up to $10,000 while enjoying all the perks your credit union has to offer! 

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  • No minimum balance requirements or monthly maintenance fees.

  • Free online banking and bill pay.

  • Free debit card.

  • Free e-statements.

  • ODP (overdraft privilege) available.

  • Dividends credited monthly.

  • Must have at least 15 debit card transactions (non ATM) per month, at least one direct deposit, and e-statements.

  • Earn rewards points redeemable for music, electronics, gift cards, and more through our uChoose Rewards

*On daily collected balances up to $10,000.00. Daily collected balances in excess of $10,000.00 will be paid based upon a split rate system. Balances up to $10,000.00 will be credited with an interest rate of 3.04% APY.  Balances in excess of $10,000.00 will be credited with an interest rate of 0.15% APY. If the qualifiers are not met for the current statement cycle, the account will be paid an interest rate of 0.15% APY on the entire balance. APY refers to Annual Percentage Yield. The interest rate is variable and may change after account opening. The interest rate is subject to change without notice.


Checking Account

Our FREE Share Draft Account offers you the savings and convenience you want in managing your personal financial affairs.

  • Unlimited withdrawals...No per check fees...No monthly service charges...No minimum balance requirements. 

  • Dividends paid on average daily balances of $100.00, credited monthly.

  • Free Debit Cards.

  • First box of checks are free.

  • Free home banking & online bill payment.

  • Free 24-hour telephone banking (audio response): 225-273-1529 (option 1).

  • Credit union service center access, payroll deduction & direct deposit.

  • Surcharge free ATMs.

  • 3 automatic overdraft transfers (per month for $5.00 each occurrence) from your savings account to your checking account when there are not enough funds to cover a check.

  • Discretionary Overdraft Privilege protection of up to $300.00 to qualified members to avoid returned-check fees. We will charge our normal overdraft fee of $30.00, but it will still be less expensive than bouncing a check! Our fees will be added to any outstanding overdrafts you may have and will be applied against your ODP! Limit.


My Money Teen Checking

Looking for an interest bearing checking account to guide your teens toward responsible saving and spending habits, while giving them more freedom?  Look no further than BRECO's My Money Teen Checking account!

  • Ages 13-17.

  • Free personalized Debit Card.

  • No minimum balance requirements or monthly maintenance fees.

  • ODP (overdraft privilege) available*.

  • Dividends credited monthly.

  • Earn rewards points redeemable for music, electronics, and more through our uChoose Rewards!

*ODP sweeps from parent's account.  Both parent and teen must be present to open account.   


Debit Cards

Your BRECO FCU debit card takes the place of checks wherever MasterCard is accepted...even if regular checks are not welcome!

  • Use it for everyday purchases at the mall, the grocery store, your favorite restaurant, or for phone and mail orders.

  • The amount will be deducted from your checking account.

  • The transaction will appear on your monthly checking statement.

  • Can be used for cash withdrawals at ATMs, and some point of sale transactions can also provide you with cash from your checking account.

 
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