Checking Accounts


Smart Chip Debit Cards

Smart Chip technology on plastic cards is becoming the standard practice with its enhanced level of security, and successful fraud reduction around the world. We are committed to protecting you and your assets; that’s why we are bringing the latest technology to you.  You will be receiving your new Smart Chip Debit Card soon!  Once you do, simply:

  • Activate your new Smart Chip Debit Card
  • Destroy your old card
  • Update any automatic payments with the new expiration and 3-digit code

Be sure to stop by any branch for your free smart chip card blocker sleeve for enhanced security! For more information and additional instructions on how to use your card at chip readers, please call a Call Center Representative at 888.369.2207.

Key Checking

A high yield checking account that will earn you rewards by meeting the simple monthly requirements. We want to reward you for using your checking account! Earn up to 2.50% APY and receive unlimited ATM transaction fee refunds!*

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Simple Checking

With a Simple Checking Account, it is what it sounds like...SIMPLE! Receive the perks of this free* checking with no minimum balance fees, no check writing fees, free eBanking, VISA Check card and much more!

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Money Market Account

The Money Market Account was designed with you in mind. Our Money Market Account allows you to earn variable dividends based on your monthly average balance without you having to change account types. With a minimum balance of $1,000, you will enjoy having full access to your funds while earning a high interest. The tiers are broken down into the following balances:

  • $1,000 - $9,999.99
  • $10,000 - $24,999.99
  • $25,000+
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If you have questions or need more information on Essential FCU checking accounts, please visit a Essential FCU branch closest to you or call 1.888.369.2207.

Smart Chip Card FAQs

Personal Checking Accounts - Essential FCU - Baton Rouge Checking

Are you in need of a personal checking account in Baton Rouge, Plaquemine, Walker, Central, Gonzales or New Roads? Essential Federal Credit Union can help!