{"id":9,"date":"2018-04-11T08:09:29","date_gmt":"2018-04-11T13:09:29","guid":{"rendered":"http:\/\/formationcu.com\/?page_id=9"},"modified":"2026-03-24T08:34:33","modified_gmt":"2026-03-24T13:34:33","slug":"accounts","status":"publish","type":"page","link":"https:\/\/formationcu.com\/?page_id=9","title":{"rendered":"Accounts"},"content":{"rendered":"<div class=\"wpb-content-wrapper\">[vc_row][vc_column css=&#8221;.vc_custom_1525276359901{margin-bottom: 0px !important;}&#8221;][vc_column_text font_size=&#8221;20&#8243;]Formation Credit Union offers several different types of accounts in order to make your banking process seamless. Through our many checking and savings accounts, we determine your need and the product that best fits. Whether withdrawing or saving up, Formation Credit Union can help.[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column][vc_empty_space][vc_tta_tabs active_section=&#8221;1&#8243;][vc_tta_section title=&#8221;<strong>Checkings<\/strong>&#8221; tab_id=&#8221;1637171403718-efd0d4e8-ae5f&#8221;][vc_empty_space][vc_row_inner][vc_column_inner width=&#8221;1\/2&#8243;][vc_column_text]All of our checking accounts offer free Visa Debit Cards. Purchases are deducted directly from your checking account and you can access funds at ATMs nationwide.[\/vc_column_text][\/vc_column_inner][vc_column_inner width=&#8221;1\/2&#8243;]<style>.vcex-button.vcex_6a6525b387a2d{background:#4b9f70;color:#ffffff!important;}.vcex-button.vcex_6a6525b387a2d:hover{background:#ffffff!important;color:#0d183a!important;}<\/style><div class=\"vc_custom_1709760101371 wpex-clr\"><a href=\"http:\/\/formationcu.com\/accounts\/checking\/\" class=\"vcex-button theme-button inline cta-btn vcex_6a6525b387a2d\"><span class=\"vcex-button-inner theme-button-inner wpex-flex wpex-flex-wrap wpex-items-center wpex-justify-center\">Learn More About Checking Accounts<\/span><\/a><\/div> [\/vc_column_inner][\/vc_row_inner][vc_column_text css=&#8221;&#8221;]\n<table>\n<thead>\n<tr>\n<th>\u00a0Account Type<\/th>\n<th>Features<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Simply Free Checking<\/td>\n<td>\n<ul>\n<li>No monthly fees<\/li>\n<li>Free visa debit card<\/li>\n<li>Free online &amp; mobile banking<\/li>\n<li>Free online bill pay with eStatements<\/li>\n<li>No dividends earned<\/li>\n<li><strong><a href=\"https:\/\/formationcu.originate.fiservapps.com\/11aF1CwapWv1syn\/getting-started\/landing-page\" target=\"_blank\" rel=\"noopener\">Open New Account<\/a><\/strong><\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<tr>\n<td>Classic Checking<\/td>\n<td>\n<ul>\n<li>Earns dividends<\/li>\n<li>Free Visa Debit Card<\/li>\n<li>Free online &amp; mobile banking<\/li>\n<li>Free online bill pay with eStatements<\/li>\n<li>No monthly fee on balances &gt; $3,500<\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<tr>\n<td>Teen Checking<\/td>\n<td>\n<ul>\n<li>For members age 13-17<\/li>\n<li>Parent\/custodian must be joint on account<\/li>\n<li>No monthly fees<\/li>\n<li>Free Visa Debit Card<\/li>\n<li>Free online &amp; mobile banking<\/li>\n<li>Free eStatements<\/li>\n<li>No dividends earned<\/li>\n<li><strong><a href=\"http:\/\/formationcu.com\/teen-checking-accounts\/\">Learn More<\/a><\/strong><\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>To open your checking account call us at <a href=\"tel:2252928910\">(225) 292-8910<\/a><\/p>\n<p>To order more checks <a href=\"https:\/\/orders.mainstreetinc.com\/ConsumerReorder?UseHeader=Yes&amp;cid=20938\" target=\"_blank\" rel=\"noopener noreferrer\">click here.<\/a>[\/vc_column_text][vc_empty_space]<style>.vcex-button.vcex_6a6525b3888d6{background:#4c9e70;color:#ffffff!important;}.vcex-button.vcex_6a6525b3888d6:hover{background:#ffffff!important;color:#0d183a!important;}<\/style><a href=\"http:\/\/formationcu.com\/rates\/#deposit-rates\" class=\"vcex-button theme-button inline vcex_6a6525b3888d6\"><span class=\"vcex-button-inner theme-button-inner wpex-flex wpex-flex-wrap wpex-items-center wpex-justify-center\">Rates<\/span><\/a> [\/vc_tta_section][vc_tta_section title=&#8221;<strong>Savings<\/strong>&#8221; tab_id=&#8221;1637171403738-06496bc4-202f&#8221;][vc_empty_space][vc_row_inner][vc_column_inner width=&#8221;1\/2&#8243;][vc_column_text]We offer account options to fit all of your savings needs. From regular savings to Christmas Clubs, we can help you plan for your future, save for a rainy day, or prepare for a special occasion. All of our savings options offer competitive rates and free account access with online banking.[\/vc_column_text][\/vc_column_inner][vc_column_inner width=&#8221;1\/2&#8243;]<style>.vcex-button.vcex_6a6525b389039{background:#4b9f70;color:#ffffff!important;}.vcex-button.vcex_6a6525b389039:hover{background:#ffffff!important;color:#0d183a!important;}<\/style><div class=\"vc_custom_1709760191428 wpex-clr\"><a href=\"http:\/\/formationcu.com\/accounts\/checking\/\" class=\"vcex-button theme-button inline cta-btn vcex_6a6525b389039\"><span class=\"vcex-button-inner theme-button-inner wpex-flex wpex-flex-wrap wpex-items-center wpex-justify-center\">Learn More About Savings Accounts<\/span><\/a><\/div> [\/vc_column_inner][\/vc_row_inner][vc_column_text]\n<table>\n<thead>\n<tr>\n<th><strong>Account Type<\/strong><\/th>\n<th><strong>Features<\/strong><\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Regular Savings<\/td>\n<td>\n<ul>\n<li style=\"text-align: left;\">No monthly fee<\/li>\n<li>Minimum Balance of $5<\/li>\n<li>Earns dividends on balances greater than $100<\/li>\n<li style=\"text-align: left;\">Can provide overdraft protection from your checking account<\/li>\n<li style=\"text-align: left;\"><a class=\"externalLink\" href=\"https:\/\/lnkmgr.trustage.com\/2b5072bf-aa4a-2d16-8e12-d630af85c899\" target=\"_blank\" rel=\"noopener noreferrer\">Up to $1,000 of AD&amp;D Insurance at no additional cost<\/a><\/li>\n<li><a href=\"http:\/\/formationcu.com\/cdd-form\/\">Open New Account<\/a><\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<tr>\n<td>Super Savings<\/td>\n<td>\n<ul>\n<li style=\"text-align: left;\">Earn higher dividends based on account balances<\/li>\n<li style=\"text-align: left;\">$2,500 minimum balance<\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<tr>\n<td>Minor Savings<\/td>\n<td>\n<ul>\n<li style=\"text-align: left;\">$5 minimum balance<\/li>\n<li style=\"text-align: left;\">Available for members under age 18<\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<tr>\n<td>Club Accounts<\/td>\n<td>\n<ul>\n<li style=\"text-align: left;\">Save for special occasions or designated expenses<\/li>\n<li style=\"text-align: left;\">Saving is made easy with direct deposit or automatic transfers<\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<tr>\n<td>Christmas Club<\/td>\n<td>\n<ul>\n<li style=\"text-align: left;\">Save for holiday expenses<\/li>\n<li style=\"text-align: left;\">Funds transfer to your savings account on November 1<sup>st<\/sup><\/li>\n<li style=\"text-align: left;\">Saving is made easy with direct deposit or automatic transfers<\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<tr>\n<td>Share Certificates<\/td>\n<td>\n<ul>\n<li style=\"text-align: left;\">3-48 month terms<\/li>\n<li style=\"text-align: left;\">$500 minimum balance<\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<tr>\n<td>IRA Certificates<\/td>\n<td>\n<ul>\n<li style=\"text-align: left;\">12-48 month terms<\/li>\n<li style=\"text-align: left;\">$500 minimum balance<\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<tr>\n<td style=\"text-align: left;\">IRA Variable Accounts<\/td>\n<td>\n<ul>\n<li style=\"text-align: left;\">Contributions made easy with direct deposit or automatic transfers<\/li>\n<li style=\"text-align: left;\">No minimum deposit required<\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n[\/vc_column_text][vc_empty_space]<style>.vcex-button.vcex_6a6525b389746{background:#4b9f70;color:#ffffff!important;}.vcex-button.vcex_6a6525b389746:hover{background:#ffffff!important;color:#0d183a!important;}<\/style><a href=\"http:\/\/formationcu.com\/rates\/#deposit-rates\" class=\"vcex-button theme-button inline vcex_6a6525b389746\"><span class=\"vcex-button-inner theme-button-inner wpex-flex wpex-flex-wrap wpex-items-center wpex-justify-center\">Rates<\/span><\/a> [\/vc_tta_section][\/vc_tta_tabs][\/vc_column][\/vc_row][vc_row content_placement=&#8221;middle&#8221; equal_height=&#8221;yes&#8221; css=&#8221;.vc_custom_1743096785943{padding-top: 30px !important;padding-bottom: 15px !important;background-color: #0D183A !important;}&#8221;][vc_column width=&#8221;2\/3&#8243;]<style>.vcex-heading.vcex_6a6525b38a0b7{color:#ffffff;}<\/style><h2 class=\"vcex-heading vcex-heading-plain vcex-module wpex-heading wpex-text-2xl vcex_6a6525b38a0b7\"><span class=\"vcex-heading-inner wpex-inline-block\">Do you have financial questions?<\/span><\/h2>[\/vc_column][vc_column width=&#8221;1\/3&#8243;]<style>.vcex-button.vcex_6a6525b38a8d0{background:#4c9e70;color:#ffffff!important;}.vcex-button.vcex_6a6525b38a8d0:hover{background:#ffffff!important;color:#0d183a!important;}<\/style><a href=\"http:\/\/formationcu.com\/ask-formation-cu\/\" class=\"vcex-button theme-button align-right inline vcex_6a6525b38a8d0\"><span class=\"vcex-button-inner theme-button-inner wpex-flex wpex-flex-wrap wpex-items-center wpex-justify-center\">Ask Formation<\/span><\/a> [\/vc_column][\/vc_row]\n<\/div>","protected":false},"excerpt":{"rendered":"<p>[vc_row][vc_column css=&#8221;.vc_custom_1525276359901{margin-bottom: 0px !important;}&#8221;][vc_column_text font_size=&#8221;20&#8243;]Formation Credit Union offers several different types of accounts in order to make your banking process seamless. Through our many checking and savings accounts, we determine your need and the product that best fits. Whether withdrawing or saving up, Formation Credit Union can help.[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column][vc_empty_space][vc_tta_tabs active_section=&#8221;1&#8243;][vc_tta_section title=&#8221;Checkings&#8221; tab_id=&#8221;1637171403718-efd0d4e8-ae5f&#8221;][vc_empty_space][vc_row_inner][vc_column_inner width=&#8221;1\/2&#8243;][vc_column_text]All of our checking&hellip;<\/p>\n","protected":false},"author":17,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-9","page","type-page","status-publish","hentry","entry","no-media"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.1 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Checkings - Savings - Lousiana USA Federal Credit Union<\/title>\n<meta name=\"description\" content=\"Become a member of the LAUSAFCU and get a checking account for use today. 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