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Loan Loyalty Program
Share Draft Checking
Enjoy secure and immediate access to your money with a POECU Share Draft Checking Account.
Open your account online or at your local POECU branch
No monthly service charge* for:
Accounts with a direct deposit
Accounts with a minimum balance of $500.
Members under 18 years of age need a guardian present to open account.
$5 monthly service fee for accounts not meeting the above criteria
Online and mobile banking for 24/7 access
Mastercard Debit Card
Digital wallets
Online bill pay
Direct deposit
Access to ATMs nationwide
Overdraft Privilege and Overdraft Protection
Did you know?
Debit Cards cannot be used at car rental companies, but a POECU Platinum Visa Credit Card can!
Debit cards can be used to check into hotels, BUT a hold will be placed on the funds in your account to cover your entire stay. You don’t have to worry about that with a POECU Visa Platinum Credit Card!
Debit cards cannot be used for online gambling sites. You would need a POECU Visa Platinum Credit Card for that!
See full details and apply for the POECU Visa Platinum Card today https://poecu.org/visa
Overdraft Protection services apply to all transactions and may help prevent overdrafts by automatically transferring funds to your checking account from your
savings account. You can set up an Overdraft Protection Plan at the time of opening your checking account (or at any time).
Overdraft Privilege allows you to overdraw your checking account up to a disclosed limit (includes a fee for each transaction). Even if you have Overdraft
Protection, Overdraft Privilege is still available as a secondary coverage. You can set up Overdraft Privilege at the time of account opening (or at any time).
Accounts will be charged the standard Overdraft fee of $28 for handling each overdraft created by check, ACH, Point-of-Sale, ATM withdrawal, in-person
withdrawal, or other electronic item that is paid, and $28 for items returned. An overdrawn balance must be repaid within 32 days. We may not pay for items under
the Overdraft Privilege if you do not maintain your account in good standing by bringing your account to a positive balance within every thirty-two (32) day
period for a minimum of one business day, if you default on any loan or other obligation with Post Office Employees’ Credit Union (POECU) or if your account is
subject to any legal or administrative order or levy.
Due to our updated policies, you will no longer be able to rent a car or participate in Internet gambling using your POECU Mastercard debit card.
If you have any questions, please contact us at (504) 885-6871.
Student Checking Account
College students who are 18 years or older are eligible for a Student Checking Account.
No minimum balance
No monthly fee
Once the member turns 25 years old, the Student Checking Account will automatically transfer into a Share Draft Checking Account
Open a Student Account by visiting one of our three branches.
Effective 10/2/2023,
POECU will require members who are using CASH APP to change their payment method.
POECU Members will no longer be allowed to use a debit card to perform CASH APP transactions.
Members will now be required to input POECU’s routing number (265076028) along with their account number for the CASH APP transaction to process.
This change is necessary to minimize the amount of fraud occurring when using this app.
This safeguards both the member and POECU.
Funds for CASH APP transactions will be settled the following business day.
Brella - Card Manager helps you protect your debit card by sending you alerts when your card is used so you can quickly detect unauthorized or fraudulent activity on your account. Users have the option to receive text or email alerts. You can also check your account balance anytime, turn your card off and on, send money to other users and find nearby ATMs.
Alerts are provided for:
Purchases exceeding dollar amounts you set
Card-not-present purchases
Suspicious or high-risk transactions
With this app, you have the ability to define when, where and how your debit card can be used.
Users can set blocks for:
Transactions exceeding a specific dollar amount
Internet and phone transactions
Transactions conducted outside of the U.S.
More great features:
Turn your debit card off/on. This control can be used to disable a lost or stolen card, prevent fraudulent activity and control spending.
Users can check their balance without logging into the app with the Quick Balance feature
Users can choose to enable Touch ID, a secure and quick way to sign on with your fingerprint so you don’t have to type in a password
Users can submit a Travel Notice to inform their financial institution of any scheduled travel
Download Brella from the Apple App Store or the Google Play Store today!
If you suspect fraud on your debit card, simply call (833) 288-1126 for 24-hour help.
If your card was declined, call (866) 508-2693 for 24-hour help.