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Checking Accounts

All checking accounts include unlimited check writing privileges and no additional fees for transacting business in person. To convert your existing checking account to one of the types listed above, please call our office at (504) 280-6496.

To reorder checks for your UNOFCU Checking Account, visit Harland Clarke.

Blue Checking

Available to all credit union members age 18 and older. There is no minimum balance to maintain on this account. If you have a monthly electronic direct deposit or are enrolled in e-Statements (sign up through Internet Teller), there is NO Monthly Service Fee. Otherwise, the Monthly Service Fee is only $2.00.

Privateer Checking

Available to all credit union members age 18 and older. Members earn monthly dividends on this account if a balance of at least $400.00 is maintained in the account at all times during the month. If the balance falls below $400.00 at any time during the month, a Below Minimum Balance Fee of $7.00 will be assessed on the last day of the month and all dividends for that month will be forfeited.

Organization Checking Accounts

Available only to UNO sponsored organizations. There is no minimum balance to maintain and the Monthly Service fee is only $2.00 per month.

Courtesy Pay

A service that is provided to Blue, Privateer, Silver* and Regular* Checking Accounts in good standing that have been open for at least 60 days. Members have the right to opt out of the service at any time. With Courtesy Pay, your check or electronic debit items may be covered by UNO Federal Credit Union up to a limit of $400.00. You will be charged the standard NSF fee of $27.00 per item. You will receive notification when an overdraft occurs on your account and you will be required to deposit adequate funds to bring your account to a positive balance within 30 days.

Categories of Transactions - The payment of checks, electronic funds transfers, or other withdrawal requests; B) Payments authorized by you; C) The return, unpaid, of items deposited by you; D) The imposition of credit union service charges; or E) The deposit of items which according to the credit union’s Funds Availability Policy, are treated as not yet "available" or finally paid.

Reasons for not paying item - Rather than automatically returning, unpaid, any nonsufficient funds items that you may have, if your eligible account has been open for at least sixty (60) days and thereafter you maintain your account in good standing, which includes at least: (A) Continuing to make deposits consistent with your past practices; (B) You are not in default on any loan obligation to UNO Federal Credit Union; (C) You bring your account to a positive balance (not overdrawn) at least once every thirty (30) days; and (D) Your account is not the subject of any legal or administrative order or levy.

Overdraft Protection

In, on any day, the available funds in your share or deposit account are not sufficient to pay the full amount of a check, draft, transaction, or other item posted to your account plus an applicable fee ("overdraft"), we may pay or return the overdraft. The Credit Union's determination of an insufficient available account balance may be made at any time between presentation and the Credit Union's midnight deadline with only one (1) review of the action required. We do not have to notify you if your account does not have sufficient available funds to pay an overdraft. Your account may be subject to a charge for each overdraft regardless of whether we pay or return the overdraft. For ATM and one-time debit transactions, you must consent to the Credit Union's overdraft protection plan in order for the transaction amount to be covered under the plan. Without your consent, the Credit Union may not authorize and pay an overdraft resulting from these types of transactions. Services and fees for overdrafts are shown in the document the Credit Union uses to capture the member's opt-in choice for overdraft protection and the Schedule of Fees and Charges.

Except as otherwise agreed in writing, if we exercise our right to use our discretion to pay an overdraft, we do not agree to pay overdrafts in the future and may discontinue covering overdrafts at any time without notice. If we pay an overdraft or impose a fee that overdraws your account, you agree to pay the overdrawn amount in accordance with your overdraft protection plan or, if you do not have such a plan with us, in accordance with our overdraft payment policy.

This credit union is federally insured by the National Credit Union Administration.
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