Checking Accounts

Blue & Privateer Checking Accounts

Our Blue Checking and Privateer Checking are specific to members looking for either a FREE checking non-interest-bearing account or those interested in earning interest with a daily minimum balance. 

With both checking accounts, members receive:

  • Unlimited check writing privileges
  • No additional fees for transactions business at the branch
  • Availability of Courtesy Pay & Overdraft Protection 
  • FREE Mastercard® MasterMoney Debit Card
  • Over 20,000 Surcharge Free ATMs 
  • NCUA insured to $250,000
  • Online Check Reorders

Blue Checking – FREE Checking

  • Members 18 years and older
  • No Minimum Balance required
  • No monthly service fee with monthly direct deposit or e-statement enrollment
  • Mastercard® MasterMoney Debit Card

Privateer Checking – Interest earning

  • Members 18 years and older
  • Earn monthly dividends with daily minimum balance average of $400 
  • Mastercard® MasterMoney Debit Card
Account
Dividend Rate
APY*
Minimum Balance To Earn Stated APY**
Privateer Checking
0.15%
0.15%
$400

Mastercard® MasterMoney Debit Card

No need to carry your checkbook access to cash or make your purchase. With our Mastercard® MasterMoney Debit Card, simply swipe and sign, and you’re on your way.  

  • Fraudulent activity zero-liability protection
  • Daily purchase limit of $1,000 includes up to $500 cash withdrawals.
  • Cash access at millions of merchants worldwide wherever MasterCard is accepted

Travel notifications keep you safe.
Planning on traveling? Let us know ahead of time so we can complete a travel notification on your account.  This will protect you from fraud, and also insure you have full access to your funds.  Give  us a call at 504-280-6496 during normal business hours with all the details.  

Report your Lost or Stolen Debit Card
In either case -- lost or stolen -- call (866)546-8273 anytime 24-hours a day, 


Overdraft Protection

No need to worry about bouncing checks with Overdraft Protection.  Funds can automatically be transferred from your UNOFCU savings to cover the check or debit card purchase and avoid an overdraft from your checking account.


Courtesy Pay

Our Courtesy Pay can cover checks, electronic payments and transfers that cannot clear due to non-sufficient funds (NSF) up to $400.00 for a minimal fee.  This service is provided so you can avoid declined transactions which may result in higher NSF charges. Once the transfer is complete, you will have 30 days from notification to make a deposit adequate enough to bring your account positive.