Checking

Everything you need. No hassles.

UL Federal Credit Union offers the checking account that fits your lifestyle with quick and easy access to your funds.1 A Regular Savings account is required. All University of Louisiana Federal Credit Union checking accounts include: 

  • Free access to more than 5,000 CO-OP Shared Branches
  • Free access to more than 15,000 MoneyPass ATMs nationwide (with a UL Federal Credit Union debit card)
  • Free access to Online Banking, Mobile App, Mobile Deposit, and electronic statements
  • Overdraft protection options
  • Direct Deposit, payroll deduction and funds transfer options

Checking Comparison

 

REGULAR CHECKING

STUDENT CHECKING

CHECKLESS CHECKING

Why?

Easy and convenient, everyday.

Perfect for high school or college life.

Never write checks?

Minimum to Open

$50.00

$50.00

$50.00

Monthly Service Fee

$5, waived with $500 or more average daily balance OR direct deposit

None

None

Earns Dividends

Yes, on balances of $1,000 or more.2 View rates

No

No

Mastercard® Debit Card

Optional. $12 annual fee.

Optional. $12 annual fee.

Optional. $12 annual fee.

Free Checks

Yes, first order of 50 standard checks

Yes, first order of 50 standard checks

Not available

Unlimited Check Writing

Yes

Yes

Not Available

Free Online Banking & Mobile Banking App

Yes

Yes

Yes

Free Mobile Check Deposit

Yes

Yes

Yes

Overdraft Protection Options

We do not pay overdrafts that would make your account overdrawn by more than your Overdraft Privilege limit. We pay overdrafts at our discretion, which means we do not guarantee that we will always authorize and pay any type of transaction. If we do not authorize and pay an overdraft, your transaction will be declined. Under our standard overdraft practices:

  • We will charge you a fee of $28 each time we pay an overdraft. 
  • There is no limit on the total fees we can charge you for overdrawing your account up to your Overdraft Privilege limit.

Click here to learn more about Overdraft Protection.

        

Or visit a branch to apply.

1Restrictions apply. Member must have a state-issued pictured id to open account. If member is a minor, then a guardian must become a joint member on said minor’s account.

2APY=Annual Percentage Yield. Fees may reduce earnings on account. Must maintain a minimum daily balance of $1,000 to earn dividends. Dividends paid monthly. Please refer to your ‘Truth in Savings and Electronic Services Disclosure’ found in your ‘Membership Booklet’ for specific details about any account.

Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.

Debit Card

Access your money anywhere and anyway you want.

Use your UL Federal Credit Union Mastercard® Debit Card for convenient access to your checking account.

  • Use your debit card worldwide, most anywhere Mastercard is accepted
  • Add your debit card number to your mobile apps and online stores for easy check-out, payments and reloading of your balances  
  • Surcharge-free ATMs on the UL Lafayette campus
  • Free access to more than 15,000 MoneyPass ATMs nationwide
  • Mastercard SecureCode® provides enhanced security for online shopping

Find an ATM or download the MoneyPass ATM Locator app
Create a SecureCode 

Notify Us Before You Travel
Tell us when you plan to travel out of state or out of the country. Our debit cards are automatically blocked from being used outside of the United States. However, you can request to have the block removed if you are traveling outside of the United States or making an international purchase using your debit card. Call us at 337-482-6956 or toll free 1-800-232-9616 (9:00 a.m. – 4:30 p.m., Monday-Friday excluding holidays).

Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.

Checks

UL Federal Credit Union has partnered with Harland Clark to offer you a variety of check styles and design options. You can show your team spirit by adding the UL Lafayette logo on your check design. 

For your initial check order, visit a branch or call us at (337) 482-6956.

Need more checks? Click here to reorder checks.