Checking accounts

A CenLA Federal Credit Union checking account, also commonly known in credit unions as a Share Draft Account, offers every convenience of a FREE account with all the perks of a bank checking account. There are no minimum balance requirements, no monthly service fees, and no per-check fees. Members may have access to funds anytime–either in person, by writing checks, at ATM machines, at point of purchase with a Visa ATM/Check Card, or by using the free bill payer service through Virtual Branch.

To join CenLA FCU – members must first begin with a Savings/Share Account. Checking Accounts can be opened in conjunction with Savings/Share Account.

CenLA FCU does NOT permit business accounts/transactions through  personal accounts.

Checking accounts available at CenLA Federal Credit Union

Checking Account Summary

CenLA Federal Credit Union Share Draft accounts offer a variety of benefits to members:

  • FREE Visa® Check Card (ATM/Debit Card)
  • FREE online banking through Virtual Branch
  • Direct Deposit
  • Payroll Deduction
  • Your accumulated funds on deposit in the Credit Union are federally insured to at least $250,000 by the NCUA
  • No monthly service fees
  • No minimum balance required
  • Unlimited check writing
  • FREE online Bill Payment
  • Free check images
  • Checks with carbonless copies
  • FREE electronic statements or by mail; If members prefer electronic statements over paper statement in the mail, please opt for this in Virtual Branch. Electronic statements are available if you are set up in Virtual Branch.     
  • Unlimited ATM usage at Cenla FCU ATMs and Dolphin Debit ATMs
  • FREE account transfers
  • FREE 24 hour telephone access with Smartline
  • Print cleared check images that are available online through Virtual Branch
  • FREE Notary Service
  • FREE Checks for Senior (60+) and Students (16-23)
  • Overdraft Protection available for only $2.00
  • Courtesy Pay for qualifying members
  • ATM locations

Minimum Requirements

The following requirements apply to checking accounts:

  • Minimum opening deposit of $5 (thereafter, no minimum balance requirement)
  • The primary owner must be at least 16 years of age and the parent or guardian a joint owner 

Fresh Start Checking


Minimum Requirements

  • Members qualify with a FICO score of 574-525.
  • All regular share draft guidelines and policies apply
  • Monthly service fee of $10 applies to Fresh Start Checking
  • Fees on our most recent fee schedule apply
  • Upon request after 90 days, member may qualify for Courtesy Pay
  • Maximum Courtesy Pay limit may be 10% of monthly direct deposit amount or $500, whichever is less.
  • Debit Card
  • Optional Direct Deposit
  • Member must remain in good standing