Upcoming Home Buyer Seminars

Who me?  Own a home?  Being a homeowner may be more possible than you think.  

Click here for dates, locations and more information!

Same Day ACH

Starting Friday, September 15, 2017, ACH deposits and debits will have the ability to be processed the same day as the transaction was originated. This mandatory change is due to a recent rule created and enforced by the Federal Reserve.

Some benefits to Same Day ACH are:

  • Same-day payrolls - Depending on your employer, they now have the capability to send funds faster, enabling employees to have faster access to their pay.
  • Expedited bill payments - This enables you to make on-time bill payments on due dates, and provides faster crediting for late payments.
  • Account-to-account transfers - When you transfer money between accounts at different institutions, Same Day ACH enables your funds to be moved faster.

We suggest that you assume that all debit transactions will be withdrawn for your account on the day you make them.  To ensure you have funds available and avoid overdraft fees, here are some ways you can keep track of your balance:

  • Mobile Banking - Download our free Essential Federal Credit Union to your smart phone. This has a "Quick Balances" widget, allowing you to quickly access your current balances and the last few transactions without having to login to your app.
  • Online Banking - View your account online using any computer, tablet or smart phone.  Simply log in to your account at
  • Use a check register - Balance your account the "old fashion way." Even if you do not use checks, it's wise to keep track of your spending.  You can pick up a free check register at any branch.

If you have any questions or concerns, please email us at or speak to a representative at 888-369-2207

Equifax Announces Cybersecurity Incident

As you might have heard in the news, Equifax announced a national cybersecurity incident that potentially impacted 143 million US consumers.  In an effort to keep our members informed and aware, we encourage you to visit Equifax’s designated website, On this site, you will be able to identify if you were potentially impacted by this incident. Additional, Equifax is offering complimentary identify theft protection and credit file monitoring. Please visit for more information.

Using Your VISA Card When Traveling

When traveling please remember to notify Essential FCU to prevent unnecessary blocks on your card. Certain transactions may be blocked due to behavior conflicts on your card, this is for your security. Notifying Essential will make using your VISA Card easier so you can enjoy your traveling experience.  Contact us at 888.369.2207 or email us at  For Visa Global Emergency Assistance, please click here.


These days fraud is becoming rampant and it is important that you stay aware of how best to protect your accounts.

  • Be Alert to Impersonators - Make sure you know who is getting your personal information or financial information.  Do not give out personal information on the phone, through the mail or over the Internet.  Essential FCU will never ask or contact you for personal, account or Online Banking information.   
  • Safely Dispose of Personal Information - Before you dispose of a computer, get rid of all the personal information it stores.  Use a wipe utility program to overwrite the entire hard drive.  Before you dispose of a mobile device, check your owner's manual, the service provider's website, or the device manufacturer's website for information on how to delete information permanently, Remove the memory or subscriber identity module (SIM) card from a mobile device. Remove the phone book, lists of calls made and received, voicemails, messages sent and received, organizer folders, web search history, and photos.
  • Keep Passwords Private - Use strong passwords with your laptop, credit, bank, and other accounts. Be creative: think of a special phrase and use the first letter of each word as your password. Substitute numbers for some words or letters.
  • Don’t Overshare on Social Networking Sites - If you post too much information about yourself, an identity thief can find information about your life, use it to answer ‘challenge’ questions on your accounts, and get access to your money and personal information. Consider limiting access to your networking page to a small group of people. Never post your full name, Social Security number, address, phone number, or account numbers in publicly accessible sites.


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 News - Essential Federal Credit Union - Credit Union Baton Rouge

 Take a look at Baton Rouge credit union Essential FCU's news section! We serve members in Baton Rouge, Walker, Central, Plaquemine, Gonzales & New Roads.