Checking

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

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.

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.