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

Kasasa® Checking Accounts

Kasasa® Checking Accounts Comparison

 

Kasasa Cash®

Kasasa Cash Back®

Kasasa Tunes®

 

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Best For

High Balances

Debit Card Use

Refunds

Rewards

•3.00% APY* on balances up to $5,000
•3.00% to 0.38% APY on balances over $5,000 depending on balance in account*
•0.05% APY* if qualifications aren’t met
•Link to free Kasasa Saver® to build savings automatically

•3.50% cash back on debit card purchases*
•Cash back earned on up to $300 in purchases monthly
•Earn up to $126 cash back per year, $10.50 per month
•Link to free Kasasa Saver® to build savings automatically

•Earn up to $10 in refunds for iTunes®, Amazon®, or Google Play™ purchases every month*
•Get $20 in refunds on these purchases at sign up*

Monthly Maintenance Fees

none

none

none

Free ATMs?

Refunds on ATM withdrawal fees, nationwide (up to $25 monthly)*

Refunds on ATM withdrawal fees, nationwide (up to $25 monthly)*

Refunds on ATM withdrawal fees, nationwide (up to $25 monthly)*

Free Online Banking & Bill Pay?

Yes

Yes

Yes

Free Mastercard® Debit Card?

Yes

Yes

Yes

Minimum Opening Deposit

$50

$50

$50

Free Mobile Check Deposit

Yes

Yes

Yes

See Kasasa Cash®, Kasasa Cash Back®, Kasasa Tunes® and Kasasa Saver® pages to see full details.

Visit a branch to apply.

Qualification Information:

To earn your rewards, the following enrollments must be in place and all transactions and activities must post and settle to your account during each Monthly Qualification Cycle:

  • At least twelve (12) PIN-based / signature-based debit card purchases, each greater than $5 for Cash Back and Tunes and $10 for Cash
  • Be enrolled in and have agreed to receive e-statements rather than paper statements
  • Be enrolled in and log into online banking
  • Maintain a valid email address on record with our credit union

Account transactions and activities may take one or more days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for the account’s rewards.

“Monthly Qualification Cycle” means the current statement cycle.

Reward Information:

APY=Annual Percentage Yield

Depending on what Kasasa account you have, you will receive the following rewards when you meet your account’s qualifications during a Monthly Qualification Cycle:

  • Dividends on your checking account balances (Kasasa Cash)
  • Dividends on your savings account balances (Kasasa Saver)
  • Dividends on your checking account balances and the ability to donate to a designated charity (Kasasa Giving)
  • Cash back on debit card purchases (Kasasa Cash Back)
  • Reimbursements for iTunes, Amazon.com and Google Play purchases (Kasasa Tunes)

In addition, you will also receive reimbursements up to an aggregate total of $25 for nationwide ATM withdrawal fees incurred within your checking account during that Monthly Qualification Cycle. We reimburse ATM withdrawal fees based on estimates when the withdrawal information we receive does not identify the ATM withdrawal fee. If you have not received an appropriate reimbursement, we will adjust the reimbursement amount if we receive the transaction receipt within sixty (60) calendar days of the withdrawal transaction.

Depending on your Kasasa account, when your qualifications are not met, account reward distributions are not made and only the non-qualifying Annual Percentage Yield is earned in interest bearing accounts.

Dividends will be credited to the appropriate account on the last day of the current statement cycle.

Cash back refunds, reimbursements for iTunes, Amazon.com and Google Play purchases and nationwide ATM withdrawal fee reimbursements will be credited to the appropriate account on the first processing day of the following statement cycle.

Rates and rewards are variable and may change after account is opened without notice to you. No minimum balance is required to earn or receive the account’s rewards. Rewards less than a penny cannot be distributed.

Additional Information:

Membership restrictions may apply.

Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply.

Qualifications and rewards may vary by account.

Fifty dollar minimum deposit is required to open the account.

There are no recurring monthly maintenance charges or fees to open or close this account.

Contact one of our credit union service representatives for additional information, details, restrictions, reward calculations, processing limitations, cycle dates and enrollment instructions.

Federally insured by NCUA. Your Savings Insured To $250,000 Per Account, American Share Insurance. By members’ choice, this institution is not federally insured, and if the institution fails, the Federal Government does not guarantee that depositors will get back their money.

Trademarks:

iTunes is a registered trademark of Apple, Inc. Amazon.com is a registered trademark of Amazon.com. Google Play is a registered trademark of Google, Inc. Apple Inc., Amazon.com and Google, Inc. are not participants in or sponsors of this program.

Kasasa, Kasasa Cash, Kasasa Cash Back, Kasasa Saver and Kasasa Tunes are trademarks of Kasasa Ltd., registered in the U.S.A.

Checking Comparison

Checking Comparision

FEATURE

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.

Learn more about Overdraft Protection.

Apply Now - new window/tab        View Fees

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 Mastercard 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? Reorder checks.