Heritage Credit Union Personal Checking Accounts 

Standard on all Checking Accounts

• Minimum to Open $50.00
• FREE ATM/Debit Card
• FREE HomeBanking
• FREE eStatements
• Online Bill Payer
• Overdraft Protection Available
• Courtesy Pay Privilege Available
• Unlimited Check Writing - No per check charge

Heritage (Simple & Convenient)	Prestige (Interest Bearing w/ Unlimited check writing)	eChecking (Checkless checking available only with Netpay Direct Deposit)	Stability(First step toward financial stability with money management tools)
No monthly service fee  No minimum balance Banking	Competitive interest on balance $500+ Monthly charge if average daily balance falls below $400** FREE Bill Payer***	Direct Deposit required e-Statements required	Direct Deposit required No minimum balance required Small monthly service charge**

*ATM/Debit Card is offered on all accounts at no cost. Heritage CU charges no transaction fee for the use of ATM/Debit card through the nationwide ATM networks include in Pulse Select/Money Pass. The use of ATMs not in the network will incur a per transaction fee.
**Prestige has a small monthly fee of $9.00 if average daily balance falls below $400.00.  Stability has a $15.00 monthly service charge.
***Bill Payer Service subject to approval.  Bill Payer available with Heritage, eChecking and Stability checking accounts for a small fee of $5.95.  The fee will be automatically debited from the checking account monthly.   

Overdraft Protection

ODST- Share Account Transfer

ODLC- Overdraft Line of Credit

Share Account Transfer (ODST): When overdraft occurs, necessary funds will automatically be transferred from the share savings account in order to clear a checking account negative balance.  Transfers from a savings account to checking will be made in increments of $50.  An activation fee of $5 will be assessed for each account transfer transaction.  Member agrees all funds in the master share account are available for transfer to cover overdraft items. If an NSF item is present and sufficient funds to cover the item are not available in the share account, a return fee of $25 will be assessed, and the item will be returned to the presenter unpaid. The credit union reserves the right to revoke this privilege at any time. Subject to approval.

Overdraft Line of Credit (ODLC): Member may apply for an overdraft line of credit with a limit to be determined by a loan officier, but in no case more than $500.00. When an overdraft occurs, transfer necessary to clear checking account negative balance will be made in increments of $100. An activation fee of $5 will be assessed for each account transfer transaction. If there is an outstanding balance on the line of credit, the checking account will automatically be debited for the loan payment on the 28th of every month. Monthly payment will be 3% of the outstanding loan balance or the entire outstanding balance, which ever is less. The min. monthly payment is $25. Fixed Annual Percentage Rate (APR) is 14% on the outstanding balance. If an NSF item is present and sufficient funds to cover the item are not available in the share account, an return fee of $25 will be assessed, and the item will be returned to the presenter unpaid. The credit union reserves the right to revoke this privilege at any time. ODLC is subject to approval.

*A Non Sufficient Funds Fee may be imposed for covering overdrafts created by check, in person withdrawal, ATM withdrawal,  or other electronic means.  Whether your overdrafts will be paid is discretionary, and the credit union reserves the right not to pay. For example, we typically do not pay overdrafts if your account is not in good standing, not making regular deposits, or your have too many overdrafts. 

 Courtesy Pay Privilege

Courtesy Pay Privilege is an overdraft protection service that is activated when you overdraw your checking account and do not have funds to cover a transaction.  We will consider, without obligation on the part of the credit union, the payment of overdrafts up to a set limit. 

Here's how Courtesy Pay helps you:

• Convenience:  Don't have the funds in your account to complete a transaction?  Not a problem.  Courtesy Pay covers your transaction on the spot.
• Privacy:  Courtesy Pay safeguards you from the embarrassment of bouncing a check or having your debit card declined at your favorite store.  Neither the merchant nor theh other patrons will be aware of the overdrawn status of your account.
• Peace of Mind:  Courtesy Pay can prove vital in urgent circumstances such as a break down on a road trip or an emergency trip to the walk-in clinic.

Heritage Credit Union checking accounts come standard with Courtesy Pay overdraft protection for the following transactions:

• Share Drafts (Checks)
• ACH transactions
• Debit Card purchases
• ATM withdrawals

The regular non-sufficent funds fee applies to each item or transaction honored under the Courtesy Pay program.  Members will be notified of any Courtesy Pay activity.

The Credit Union may not pay the overdraft if the member has any of the following:

• Reached his/her Courtesy Pay limit
• Opted-out of the service
• Abused the service
• Not met other obligations with the credit union

Courtesy Pay is automatically available to any member in good standing, who is not a minor, has a Heritage Credit Union checking account opened for more than 30 days.

For more information, contact us at 866-269-9880.

ATM Locations  

1. Heritage Credit Union (Heart Hospital)   1105 Kaliste Saloom Road  Lafayette, LA  70508
2. First Pioneers Federal Credit Union  2235 South College Extension  Lafayette, LA  70508
3. Maple Federal Credit Union  105 Toledo  Lafayette, LA  70506
4. Acadian Federal Credit Union  102 Sunbeam Lane   Lafayette, LA  70506
5. Section 705 Federal Credit Union   1455 West Willow Street   Lafayette, LA  70506
6. University of Louisiana Federal CU   619 McKinely Street   Lafayette, LA  70503
7. University of Lousiana FCU Cafe Fleur de Lis    111 Upa Drive   Lafayette, LA  70503
8. Lafayette Schools' FCU Main Office  515 Guilbeau Road    Lafayette, LA  70506
9. Lafayette Schools'  FCU Crowley   311 Old Fellows Road   Crowley, LA  70526
10. Lafayette Schools' FCU New Iberia   1101 Parkview Drive    New Iberia, LA  70560

 To search for additional Pulse Select/Money Pass ATM sites outside of Lafayette, click here. 

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